👋
About you
Let's start with the basics
Tell us a little about yourself and your home buying situation.
Some government schemes and stamp duty rules vary by country.
No account needed · No credit check
💼
Income
Your income
This helps us estimate what lenders might offer you.
£
per year
Based on £35,000 salary, lenders may offer up to £157,500
ℹ️
Most lenders offer 4–4.5× your income as standard, with many now going to 5–5.5× for strong applicants — especially first-time buyers on enhanced schemes. We'll factor in debts and spending too for a more accurate picture.
🏠
Finances
Deposit & property
Your deposit is one of the most important factors for lenders.
£
saved
£5,000
£200,000+
£
approx.
£75,000
£1,000,000+
Your estimated LTV: 92% —
A 10% deposit gives access to a wider range of mortgage products.
💳
Credit history
Credit & existing debts
Be as honest as you can — this helps us give you an accurate score.
Include credit cards, car finance, student loans, personal loans
🎉
Final details
Almost there!
One last step — where should we send your score?
✅
You've answered everything we need. Your personalised Kivo Score is ready to calculate.
We'll send your score here. You can also view it instantly.
Your data is encrypted and never sold. Learn about our security.
Your Kivo Score
0
out of 100
🟢 Good — Mortgage Ready
Score calculated today
Based on your answers
Your score breakdown
💼 Income & Affordability
85
🏦 Deposit Strength
62
💳 Credit Profile
88
💸 Spending Behaviour
70
Key insights for you
✅ Your income-to-loan ratio looks strong. Based on what you've told us, you may be able to borrow up to £155,000–£175,000.
⚠️ Your deposit represents approximately 8% of your target property. Getting to 10% would open up significantly better mortgage rates.
💡 Quick win: Connect your bank account to get a full spending analysis and potentially improve your score by up to 12 points.
What would you like to do next?
You can explore your full score breakdown, or get in touch if you'd like help finding a mortgage advisor.
We'll help match you with a vetted, FCA-regulated mortgage advisor.