Mortgage-ready isn't a guess. It's a number.
We score the same six signals every lender weighs — and explain each one in plain English, so you know what to fix before a single application leaves your inbox.
Six signals. One number.
No black boxes.
Eighty-four points, accrued from six weighted signals. Heaviest at the base — application clarity on top. Click a band, or scroll, to unpack each one.
- DOCS VERIFIED · 4/4
How complete and consistent the application package is when it reaches an underwriter.
From curious to mortgage-ready
in six steps · two minutes flat.
Connect bank
Open Banking pulls twelve months of statements — read-only, revocable, never stored on our servers.
The core engine behind every score
Proprietary scoring that blends affordability, behaviour, and lender policy—explained in plain language for borrowers and underwriters.
Live readiness flow
Watch consented data turn into a borrower-ready score.
Lendable algorithm
Affordability, behavior, and policy signals are processed into one explainable readiness score.
Highlights risk signals, explains the result, and prepares a clear borrower-facing summary.
Live result
Lendability score
84 / 100
Strong position for next-step lender review.
Partnerships & integrations built on trust
Intelligent lending infrastructure powered by Trusted Partners
We orchestrate the Lendability algorithm with trusted fintech partners so every application moves smoothly—from verified data to compliant signatures.
TrueLayer
Secure open banking rails that surface verified income and affordability insights instantly.
- Instantly connects to every major Irish bank with consented data access.
- Categorises income and outgoings to automate affordability reviews.
- Refreshes bank feeds automatically so underwriters see live positions.
OpenAI
AI copilots generate credit-ready narratives and highlight risks before review.
- Summarises applicant documents and flags missing evidence automatically.
- Drafts personalised borrower communication in seconds, multi-language ready.
- Surfaces risk signals and recommended next actions for underwriters.
Get Mortgage-Ready With Lendable
Get your mortgage-ready Lendability score before you apply
See where you stand, understand what may be holding you back, and get clear next steps to improve your readiness with Open Banking and AI insights.