Mortgage preparation tool
Mortgage Readiness Score
Review broad mortgage credit readiness factors and receive a simple educational readiness band with strengths, weaknesses and next steps.
Educational only. This does not predict approval, borrowing limits or credit score changes.
Your readiness result
Complete the form to see a mortgage readiness band, strengths, weaknesses and suggested next steps.
How to use this tool
Use the score as a preparation checklist.
The result is not a lender assessment. It is designed to help you spot areas to check before reading the mortgage readiness guide or generating a wider roadmap.
FAQ
Does this mortgage readiness score predict whether I will get a mortgage?
No. It is an educational readiness check only. Mortgage lenders use their own criteria and may consider affordability, deposit, income, credit history and documentation.
What factors does the score use?
It uses broad credit preparation factors: CCJ status, defaults, missed payments, electoral roll status, credit utilisation and deposit percentage.
Can a larger deposit help mortgage readiness?
A larger deposit may help some applications look less risky, but it does not remove the need for affordability checks or a full lender assessment.
What should I do before applying for a mortgage?
Check all credit reports, reduce avoidable balance pressure, keep payments current and consider speaking to a qualified mortgage adviser if your situation is complex.