Free tools
Every calculator and checker we've built, in one place — free to use, no account needed, all based on lending criteria we verify directly against each lender.
Start hereEligibility checker
Answer three questions and see how many of the 10 lenders we track would consider your visa and income.
Deposit calculator
See your required deposit at each of the 10 lenders we track, based on your visa status and income.
Visa timeline planner
See how many months you'd have left on your visa at completion, and which lenders that timing clears.
Foreign income calculator
See how much of your foreign-currency income each lender actually counts toward affordability.
Affordability check
See what a wide panel of lenders might lend you, built by our sister site MortgageAffordability.
Lender criteria tables
Compare visa and residency rules side by side across every lender we track.
Mixed-status optimizer
Buying with a partner on a different immigration status? See which lenders treat you as standard once one of you is settled.
Credit-readiness planner
Get a personalised, priority-ordered plan for building a UK credit file before you apply.
Document checklist
Get the exact paperwork list for your visa, employment and deposit source — printable, free.
What unlocks more lenders?
See exactly what more visa time, UK residency or income would unlock, lender by lender.
Visa-cost affordability bridge
See what visa fees, the health surcharge and ILR cost your household — and how much they set back your deposit timeline.
ILR mortgage unlock
See the LTV jump gaining ILR/settled status unlocks at each lender we track — and where a fix might expire around the same time.
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