The lender that'll offer you the most might not be the one you'd expect
Checking every lender side by side means you can walk into a broker conversation knowing exactly where you stand. No surprises, no missed options, and no settling for a lower amount because you only checked the obvious names.
0+
Lenders Checked
0 mins
Average Results Time
Zero
Credit Searches
See It in Action
Watch how we compare 60+ lenders in under 2 minutes
Video coming soon
Your payslip, read the way lenders read it
Most affordability tools ask you to guess your income figures. Get it wrong and your results are meaningless.
Our AI reads your payslip and extracts exactly what lenders will use — basic pay, overtime, bonus, commission — broken down the way each lender calculates it. Better inputs mean more accurate results.
- Automatic income breakdown from your payslip
- Identifies bonus, overtime & commission separately
- No other tool offers this
Sample AI Extraction
Borrowing by salary
See Why Checking Every Lender Matters
The same salary gets you wildly different offers depending on which lender you ask. Here's what we found across 60+ lenders.
| Your Salary | Lowest Offer | Highest Offer | Difference |
|---|---|---|---|
| £20,000 | £67,900 | £111,351 | +£43,451 |
| £25,000 | £104,765 | £150,000 | +£45,235 |
| £30,000 | £134,100 | £180,000 | +£45,900 |
| £35,000 | £155,750 | £210,000 | +£54,250 |
| £40,000 | £179,500 | £240,000 | +£60,500 |
| £50,000 | £224,500 | £300,000 | +£75,500 |
| £60,000 | £269,400 | £360,000 | +£90,600 |
| £75,000 | £375,000 | £450,000 | +£75,000 |
| £100,000 | £500,000 | £600,000 | +£100,000 |
Based on a single applicant, 25-year term, no additional debts. Last updated April 2026.
Had a few financial blips?
Life happens. A missed payment, a CCJ, or a period of financial difficulty doesn't necessarily close the door on getting a mortgage. Many specialist lenders are designed to help people in exactly your situation. We'll show you which ones could work for you.
FAQ
Frequently Asked Questions
No. We check each lender’s affordability criteria using the income and financial details you provide. We never access your credit file, and your credit score is completely unaffected.
Very. We use each lender’s actual affordability calculator or published criteria — the same tools mortgage brokers use. Results reflect what lenders would offer based on the income details you provide. The only thing we can’t account for is your credit history, which lenders assess separately.
No. A Decision in Principle (DIP) involves a credit check from a single lender. Our tool checks affordability across 60+ lenders without touching your credit file. Think of it as the step before a DIP — it tells you which lenders to approach.
Mortgage affordability is how much a lender will let you borrow based on your income, outgoings, and their own criteria. Every lender calculates this differently — which is why the same person can be offered £250,000 by one lender and £320,000 by another. Our tool shows you the full range.
Each lender has its own formula for assessing income, overtime, bonuses, and expenditure. Some are more generous with bonus income, others have lower stress rates, and some accept income types that others ignore entirely. Checking multiple lenders reveals opportunities you’d otherwise miss.
Download your PDF report and take it to any mortgage broker or advisor. It shows exactly what each lender would offer, so your broker can find you the best deal without guesswork.
