Mortgage advisory tools

Use any of these right now — no account, no application, no credit pull. Everything is worked out on this page from the figures you enter, and your figures stay in this browser until you choose to save them.

Mortgage Advisory Tools

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Planning tools

My Goals Financial health Debt consolidation Equity and borrowing capacity Should I refinance?Credit readiness Business owner income Strategy & Reports

Homeowner tools

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Analysis and readiness

Educational planning tools. No credit report is pulled, nothing here is an approval, and every figure comes from what is entered on screen.

Nothing saved yet

An explainable look at where you stand today, with the arithmetic shown. It is not a credit score, an approval or a prediction of whether a lender will say yes.

Gross monthly income (before tax)

Housing payment you are planning for

Loan payment plus taxes, insurance, HOA and mortgage insurance.Other monthly debt payments

Enter 0 if you have none — that is a real answer.Essential monthly expenses

Food, utilities, transport, childcare, insurance.Money left after closing

Years in your current role or business

Purchase price (if buying)

Down payment (if buying)

Property value (if you own)

Total owed on the property

How are you paid?Figures as of

Some of my income varies (commission, bonus, tips, seasonal)

Documents you can gather

Tell us how you are paid so we can list the right documents

What the figures show

No score is produced

Housing payment against incomeUnknown

housing payment ÷ gross monthly income × 100

Compared against a planning assumption of 31%. That is an assumption used for this page, not a lender's rule.

Still needed: gross monthly income, the housing payment you are planning for

All monthly debts against incomeUnknown

(housing payment + other monthly debt payments) ÷ gross monthly income × 100

Compared against a planning assumption of 43%. It is an assumption, not an approval threshold.

Still needed: gross monthly income, the housing payment you are planning for, your other monthly debt payments

Months of essential expenses held backUnknown

money left after closing ÷ essential monthly expenses

Compared against a planning assumption of 2 months.

Still needed: the money you would have left after closing, your essential monthly expenses

Equity in the home todayUnknown

home value − everything owed against it

This can be negative when more is owed than the home is worth.

Still needed: the home's value, what is owed against the home

Down payment as a share of the priceUnknown

down payment ÷ purchase price × 100

Only relevant when you are buying.

Still needed: the purchase price you are planning for, the down payment you plan to make

Years in the current role or businessUnknown

as you entered it

Length of history affects which documents are needed. How you earn a living is never scored here.

Still needed: how long you have been in this role or business

Housing ratio you want to compare against

Total debt ratio to compare against

Months of reserves to aim for

These comparison figures are planning assumptions you can change. They are not any lender’s rule.

Missing information

• gross monthly income
• the housing payment you are planning for
• your other monthly debt payments
• the money you would have left after closing
• your essential monthly expenses
• the home's value
• what is owed against the home
• the purchase price you are planning for
• the down payment you plan to make
• how long you have been in this role or business

Suggestions

• Add gross monthly income so this page can show the figure instead of "unknown".
• Add the housing payment you are planning for so this page can show the figure instead of "unknown".
• Add your other monthly debt payments so this page can show the figure instead of "unknown".
• Add the money you would have left after closing so this page can show the figure instead of "unknown".
• Add your essential monthly expenses so this page can show the figure instead of "unknown".
• Add the home's value so this page can show the figure instead of "unknown".
• Add what is owed against the home so this page can show the figure instead of "unknown".
• Add the purchase price you are planning for so this page can show the figure instead of "unknown".
• Add the down payment you plan to make so this page can show the figure instead of "unknown".
• Add how long you have been in this role or business so this page can show the figure instead of "unknown".
• Documents still to gather: Tell us how you are paid so we can list the right documents.

Documentation readiness (0 ready)

• Tell us how you are paid so we can list the right documents

This is an educational assessment of figures you entered. It is not a credit score, not an approval, not an eligibility prediction, and no credit report was pulled. The comparison figures on this page are planning assumptions, not lender rules.

Nothing is saved yet — these figures are only in this browser.

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