We've pre-filled some fields from your affordability calculation. Feel free to edit them.
Personal & Employment
The amount that actually hits your bank account each month
Your salary before tax and deductions. If left blank, we'll estimate from your take-home pay.
Property & Finances
Money you could get to within a week — current accounts, easy-access savings, ISAs
Mortgage/rent, bills, food, transport — the basics to keep going
Protection
Employer Benefits
Personal Protection
Income Protection Details
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One Last Thing...
Before we crunch the numbers, we'd like to know what you think.
0 months3 months24 months
Why we ask: This helps us show you how your perception compares to reality — many people are surprised by the gap.
Your Mortgage Readiness Score
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Strengths
Areas to Improve
How Long Could You Survive?
If you lost your income tomorrow — through redundancy, illness or injury — how long could you keep up with your essential outgoings? This is your financial runway, and lenders look for evidence of a safety net.
0days
If your income stopped tomorrow, your savings would cover essential expenses for approximately X days.
UK average: 19 daysTarget: 90 days
How Your Score Breaks Down
Your overall score is built from four pillars. The radar chart shows how you compare across each area, while the bar chart highlights individual category scores.
Four Pillar Analysis
Category Scores
Reality Check
Earlier we asked how long you thought your savings would last. Here's how your estimate compared to the numbers.
You Estimated
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days
The Reality
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days
If you don't want to rely on savings alone, Income Protection can replace a portion of your income during periods of illness or injury — keeping your mortgage payments covered when you need it most.
What If You Couldn't Work?
A mortgage is typically a 25-year commitment. The chart below shows what would happen to your income over the first 6 months if illness or injury stopped you working, taking into account your employer benefits and any state support.
The Statistics Over a 25-Year Mortgage
Based on your age and profile, the likelihood of these events during your mortgage term:
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Chance of death
0%
Chance of critical illness
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Chance of 2+ month absence
These are statistical averages for illustrative purposes. Individual circumstances vary and should be discussed with a qualified adviser.
Save Your Results
Share your results or download a detailed report to discuss with an adviser.
