Kivo walks you through everything — from understanding what you can borrow, to improving your score, to connecting with a real advisor when you're ready. No jargon. No pressure.
Answer a few simple questions about your income, deposit savings, and what kind of home you're hoping to buy. We'll also ask about your credit history and any existing debts — this helps us give you an accurate picture.
Soon you'll be able to use Open Banking to give Kivo a real picture of your finances — income patterns, regular outgoings, and spending habits, the same things lenders look at. This will make your Kivo Score even more accurate. For now, Kivo Check asks a few extra questions to get a similar picture.
A scoring formula checks your situation against real lender criteria — the same criteria mortgage underwriters use — so your score is consistent and reproducible, not something an AI is guessing at. You'll get a personalised score out of 100, a clear breakdown of your strengths and weaknesses, and AI-written guidance on specific, actionable steps to improve.
Once you have your score, you're in control. Use the personalised advice to improve your position yourself, track your progress as your score updates, or connect with a vetted mortgage broker when you feel ready. We never pressure you.
Your score is just the starting point. Here's everything you can do with it.
We're building support for Open Banking, a UK-regulated technology that lets you securely share your financial data with approved services — the same tech used by Monzo, Starling, and HMRC. Here's how it'll work once it's live.
Select your bank — preview
+ 40 more UK banks supported
Takes 2 minutes. No credit check. No paperwork required.
No account needed · Your data is yours · Delete anytime