The readiness score
A score built from what you actually do with money.
What we weigh
Six things, published openly.
Income stability
How regularly money arrives, and whether it can be traced to a source a partner will accept.
Payment behaviour
What you already pay on time — rent, utilities, subscriptions, existing commitments.
Savings pattern
Whether a deposit is building, and whether it survives the month.
Obligation load
What share of your income is already spoken for before a home payment is added.
Documentation quality
Whether your statements, ID and income evidence hold together and match each other.
Affordability headroom
The price range you could service comfortably — not the maximum you could survive.
How it is produced
AI does the reading. A person does the judging.
AI reads the documents
Statements, payslips and obligation records are read in one pass and turned into structured facts — not skimmed by a person under time pressure.
A person reviews anything odd
Mismatched names, missing pages, income that cannot be traced. Anything flagged goes to a human before it goes anywhere else.
You get the reasoning, not just the number
Every factor is named, marked as helping or hurting, and explained in a sentence you can act on.
What the result means
Four bands, and what each one gets you.
Ready
Your profile stands up. You get a certificate and an introduction to a finance partner.
Nearly ready
One or two things are short. Usually a few months of consistency away.
Not ready yet
Real gaps, but every one of them named — with an order to work through them.
Not enough data
We could not see enough to judge fairly. We tell you what to add rather than guess.
What it is not
- A credit-bureau score — ours is our own, and explainable
- A financing decision — only a partner can make that
- A permanent label — it moves as your profile does
- Something we sell to advertisers or brokers
Why we built our own
A bureau score is computed from formal credit history. If you have never held a credit card or a bank facility, there is nothing to compute — so the file comes back thin and the answer comes back no.
That is not a judgement about whether you can pay. It is a judgement about whether you have been *allowed to prove it*. Three months of bank statements says far more.
Know where you stand.
The first assessment is free, and it tells you exactly where you stand and what to fix. No payment, no obligation.