The mortgage guide you don’t have to book.
Hommie shows you what UK lenders would think of your income, deposit and credit — and exactly what to fix first.
Check my scoreHow it works
From confusion to clarity, in three steps.
- Step 1: Know exactly where you stand. Answer a few honest questions. Hommie names the specific thing on your file that’s most affecting your chances — and shows you how UK lenders read it.
- Step 2: Get ready without the guesswork. Hommie gives you the right actions in the right order, helps you gather the paperwork lenders want, and strengthens your position month by month.
- Step 3: Open the door to your first home. When you’re ready, Hommie helps you prepare for your broker conversation, with the numbers and paperwork a broker will ask for. So you close the gap between “ready” and “keys.”
Not a broker. Not a lender.
Not a credit score app.
Hommie reads your file the way a UK lender would — before you apply, and before you pay anyone.
- vs. Brokers
Answers in seconds, for free
Get your first questions answered before you book anyone. Hommie is free, available at 11pm on a Sunday, and gets you to a broker better prepared.
- vs. Generic AI
Grounded in your numbers
ChatGPT doesn’t know your income, your deposit, or the 11 UK lenders Hommie tracks. Every answer here is grounded in your actual situation.
- vs. Credit score apps
The why behind the number
Your credit score is one number. It doesn’t tell you what specialist lenders would say about a CCJ from 2022 or a visa with 18 months left. Hommie does.
Built especially for first-time buyers the system misreads.
Which sounds most like you?
Good salary, thin UK credit file, visa with 18 months left. Hommie shows which lenders count your visa and time in the UK — and what builds your file fastest.
Skilled Worker visa · 2 years in the UK
Did you know?
67%
of first-time buyers are turned away on their first mortgage application. Most never find out exactly why.
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