First-time buyers ยท Birmingham ยท Bought a 3-bed semi
"Kivo told us we had ยฃ8,200 too much on a credit card that was killing our affordability. We paid it down, waited 90 days, and our score jumped 23 points. We got the mortgage we wanted."
๐ Outcome: Secured a 5-year fixed at 4.2% on a ยฃ220,000 property. First-time buyer relief saved ยฃ2,500 in stamp duty.
62
โ
84
Score journey
Over 6 months
Sophie Lewis
First-time buyer ยท Manchester ยท Used LISA scheme
"I didn't know about the LISA bonus โ Kivo flagged it and I used the government's 25% top-up to push my deposit over 10%. That one tip saved me thousands in mortgage interest."
๐ฐ Outcome: Used a ยฃ4,000 LISA bonus to hit 10% LTV. Secured a 2-year fix at 3.9%. Total saving vs 5% deposit: ~ยฃ180/month.
38
โ
71
Score journey
Over 12 months
Priya Nair
Self-employed ยท London ยท Sole trader for 3 years
"As a freelancer I assumed I couldn't get a mortgage. Kivo explained exactly what lenders need โ 2 years of SA302 forms, a strong last year โ and I prepared everything in advance. My broker was amazed."
๐ฏ Outcome: First application accepted. Secured a 5-year fix on a ยฃ385,000 flat with a 15% deposit after targeted preparation.
77
โ
77
Confirmed ready
Applied within 2 weeks
Tom & Rachel Hughes
Home movers ยท Bristol ยท Upsizing family home
"We just needed the confidence to go ahead. Kivo confirmed what we suspected โ we were in a strong position. Having the data to show our broker meant the fact-find was 20 minutes, not two hours."
โ Outcome: Mortgage offer in hand within 6 weeks. Moving into a 4-bed detached in time for the new school year.