Credolay
Sunlit living room in a new home
Customer journey

How buying a home works with Credolay

Nine stages, from the first honest look at your budget to the year after you move in. Step through them below — or scroll sideways through the highlights first.

Budget planning on a desk
Start here

Set your ceiling

Deposit, income and area go in. Out comes the price above which the maths stops working — before you fall in love with a house.

Affordability tools
Viewing a property from the street
While you look

Save homes worth your time

Each saved home is scored against your plan — not a generic rating — so the ones that do not fit stop taking up space in your head.

Handing over house keys
Through to owning

Move in, and keep the plan

Completion is not the end. Your plan carries on afterwards, tracking running costs and when the mortgage is worth revisiting.

Start your plan
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Set your ceiling

Start with the number that governs everything else. Enter your deposit, income and target area, and Credolay works out what you can borrow, what the monthly repayment looks like, and the price above which the maths stops working.

Nothing here is a credit application — no search is recorded against your file.

Wherever you are on that list, start there.

You do not have to begin at stage one. Credolay picks up from whatever you already know and shows the next move from there.

Just wondering

Start with the budget stage and find out what is realistic before anything else.

See affordability

Actively looking

Save the homes you are weighing up and compare them on your own numbers.

Start your plan