Buying a home is mostly waiting to be told what happens next

Most people find out they needed a bigger deposit after an offer falls through, or that a document was missing when a lender asks for it. The information exists — it just arrives at the wrong moment, from whoever happens to be in the room.

We wanted the opposite: one place that always knows what stage you are at and what the next move is, told plainly, before it becomes urgent.

Scores that will not explain themselves are worthless. Every number Credolay produces — readiness, affordability, how well a home fits — opens up to show the reasoning and the specific thing that would change it.

Where we make an assumption, such as a 25-year term at 4.5%, it is written on screen rather than buried, so you can judge how much weight the figure deserves.

Owning is where most of the money actually goes. Your plan carries on afterwards, tracking running costs and flagging when the mortgage is worth revisiting — the decisions that are expensive precisely because nobody is prompting you about them.