Home Readiness
Track your progress toward buying your first home — no jargon, just clear steps.
Overall Readiness
Getting close — keep the momentum
DEPOSIT TRACKER
£6,240
of £20,000 target
31% saved · ~14 months to target at current rate
MILESTONES
3/7
completed
Open a dedicated savings account
Save first £2,000 toward deposit
No missed payments for 12 months
Clear secondary credit card balance
See all 7 milestones →
Readiness Breakdown
Financial Health78/100
Your income-to-debt ratio is strong. Keep reducing credit utilisation.
Savings Track62/100
You need 3 more months at current savings rate to hit your deposit target.
Employment Stability90/100
3+ years with current employer. Lenders will view this very favourably.
Credit History55/100
Two missed payments in 2022. These age off in 18 months — keep clean.
Rental Track Record85/100
24 months of verified on-time rent payments. Strong proof of reliability.
Debt-to-Income44/100
Your DTI is at 38%. Aim to get below 35% before applying for a mortgage.
Properties Within Your Range
14 Birchwood Ave, Manchester
£198,000
2 bed
Great match
94% match
7 Maple Close, Salford
£215,000
3 bed
In range
87% match
22 Grove St, Manchester
£172,000
2 bed
Affordable
81% match