AI-powered Mortgage Readiness Insights & Health Check
Lendable leverages both AI and open banking technology to provide mortgage readiness insights and health checks to prospective home buyers in Ireland.
Product
Every application step stays transparent
Each stage includes a demo of the borrower-facing screen. Hover, focus, or tap a step to see how Lendable guides people from first details to approval.
Loan Details
Applicant Info
Connect Bank
Lendability Report
Review & Submit
Approval
Loan Details
Define the loan amount, repayment horizon, and property type while previewing tailored calculators that surface eligible offers in real time.
Lendable · Application
Loan details
Loan amount
Property
Demo preview of the application screen for Loan Details.
Interactive demo · not live data
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.
Stripe
Payments and payouts infrastructure with card, wallet, and bank rails built for regulated lending.
- Collect deposits, fees, and repayments with Strong Customer Authentication and 3D Secure where required.
- Route split payouts to lenders, brokers, and borrowers with transparent reconciliation and reporting.
- Webhooks and idempotent APIs keep Lendable in sync with every payment and refund in real time.
The core engine behind every score
Proprietary scoring that blends affordability, behaviour, and lender policy—explained in plain language for borrowers and underwriters.
Live decision flow
Report
Lendability score
84 / 100
Proprietary scoring that blends affordability, behaviour, and lender policy into one explainable Lendability signal.
Recalibrates with live bank and bureau data so scores reflect today's picture, not last month's snapshot.
Surfaces clear drivers and next actions—what to fix, what to upload, and how close someone is to approval.
Connects to the same APIs and webhooks as the rest of the Lendable stack for consistent decisions end to end.
Build with Lendable
See how your borrowers move from application to approval
Book a walkthrough to see how Lendable fits your lending flow.