CURRENT POSITION
Day one of the checklist
Affordability looks workable — the checklist is where the work is now. Even self-assessment gives a clearer picture.
Affordability check
Run the monthly numbers, plan upfront costs, and see where you sit on readiness.
READINESS SUMMARY
Just starting
0 of 5 readiness factors set; deposit 10%; surplus £2,429
Your deposit clears 10% — moving toward 15% widens lender choice.
Factors set
0 / 5
Deposit %
10%
Surplus
£2,429
DERIVED FROM MONTHLY COSTS
Affordability inputs (read-only)
Deposit percentage
10%
Derived from Monthly costs (deposit ÷ property price).
Monthly surplus
£2,429
Derived from Monthly costs (income − mortgage − outgoings).
Readiness factors
Tick each as you complete it. These are the non-numeric readiness signals that, alongside affordability, indicate you're in offer-making position.
Tick each factor as you complete it. Even self-assessment gives you a clearer picture of where you stand.
NEXT BEST MOVE
Pick the easiest first factor
Credit check is usually the quickest to complete — it's a free pull and gives an immediate signal.
Where to go next
Finish your readiness check
Tick the factors that apply so we can show your next planning step.
Pro preview
Want to know what to do about it?
- Personalised next-best factor based on your numbers
- Tracked progress over time with reminders
- Full deposit, timeline, and LISA plan saved to your account
From £19.50
Open Buyer PlannerTie this check to your full plan
The Buyer Planner connects Affordability Stress Test, Document Readiness, and Conveyancing Dashboard — turning this snapshot into a tracked plan you can return to.