Credit readiness
A quick self-assessment of how your credit picture might look to a mortgage lender.
CREDIT READINESS TOOL
Check before a lender does
Answer 6 quick questions about your credit situation. This is a self-assessment, not a credit check — we won't touch your file.
Answered
0 of 6
Verdict
—
This is a self-assessment, not a credit check. Check your full credit report (ClearScore, CheckMyFile, Experian) for exact marks.
Are you registered on the electoral roll at your current address?
Have you ever missed payments on credit cards, loans, or bills?
Do you have any defaults or CCJs on your credit file?
How much of your available credit are you currently using?
How stable is your address history over the last 3 years?
Have you made any credit applications in the last 6 months?
Next step
Get the full picture with the Buyer Planner
The Buyer Planner includes Document Readiness, Affordability Stress Test, and more — everything you need to go from credit-ready to broker-ready.
Ready to go beyond this tool?
The Buyer Planner pulls your deposit, borrowing, timeline, and next steps into one plan.