The Mortgage Ready Score
One transparent number, from 0 to 100.
No mystery and no jargon. You always know why your score is what it is, and exactly what to improve next.
What goes into your score
Deposit readiness
How much you have saved against your target, and how consistently it is growing.
Income and affordability
What lenders typically offer on your income against the home you want.
Credit health
Your credit profile, utilisation and history, checked privately later with no impact.
Debt and commitments
How your monthly commitments affect the room a lender may offer.
Stability
Time in employment and steady income that build lender confidence.
Saving habits
Your monthly saving rate and the discipline that drives progress.
The five readiness tiers
0 - 39Early stageThe start of the journey. Small steps move the score quickly.
40 - 59Building foundationFoundations in place with a clear path forward.
60 - 74Getting closeReal, measurable progress.
75 - 89Nearly mortgage readyInto the final stretch.
90 - 100Marketplace readyA strong, prepared profile.
Marketplace ready does not mean approved. It means your profile is strong and prepared. Final lending decisions are always made by lenders.