Credolay
Modern kitchen in a family home
Affordability

Know the number before you fall in love with the house

Credolay works out what you can carry — not the maximum somebody would lend you — and keeps that figure honest as your circumstances move.

4.5×
The income multiple most lenders cap near. Credolay flags the moment you cross it.
33%
Share of monthly income above which a repayment starts to bite. Every home is measured against it.
~3%
Typical legal, survey and moving costs on top of the deposit — counted, not forgotten.
0
Credit searches run. Nothing here touches your file.
Your ceiling

One number that governs the rest

Deposit, income and area go in. Out comes the price above which the maths stops working — along with the monthly repayment, the loan you would need, and how much cash you need on completion day once buying costs are counted.

Move any input and everything re-runs. A price ladder shows what a step up or down actually does to the monthly figure, so the trade-off is visible rather than theoretical.

Work out my ceiling
Household budget planning
Readiness

The gap between wanting and qualifying

A score out of 100 built from what lenders weigh: deposit percentage, loan against income, whether the monthly payment leaves room to live, and whether you have settled on an area.

Every point you are missing comes with the specific move that recovers it — raise the deposit by this much, or drop the target by that much. No vague encouragement.

Living room in a new build home
Per home

Affordability that follows you to the listing

A ceiling is only useful if it survives contact with a real house. Every home you save is re-scored against your plan: what it would cost monthly, what deposit it swallows, and how far past your target it sits.

Compare up to three side by side and the strongest cell in each row is marked, so the trade-off between the cheaper flat and the bigger semi is arithmetic rather than instinct.

Row of homes on a residential street

Common questions

No. The affordability tools are calculations run on figures you enter — no lender is contacted and no search is recorded. Credit checks only ever happen in the separate verification flow, and only after you explicitly consent to one.

Find out what is actually within reach

It takes about a minute. No credit search, no obligation, and the number is yours to revisit whenever life moves.