How ready are you to get a mortgage?

What it measures

Your deposit

You know how much deposit you have, where it is held and where it came from, and you can show it clearly.

Income and paperwork

Your income is steady and easy to evidence, and the documents a lender is likely to ask for are ready.

Credit habits

You manage cards and overdrafts carefully, pay on time and know what your credit record shows.

Timing and flexibility

You have a realistic timeframe for buying and some room to adjust if things change.

Who takes it

First-time buyers and movers. Every taker gets a score by area and a personal report written for them; you get their email, their score and a short brief on what they need.