Score income, savings, debts, deposit and holding costs; get a weighted affordability result plus an AI report showing your real shopping band.
Quick answer
Use it when we-can-probably-manage needs an actual number: income stability, savings, existing debts, deposit and holding costs are weighted into an affordability result plus an AI report naming a realistic shopping band. It estimates capacity from your stated figures — it is not a mortgage pre-approval or a lending decision.
Disclaimer: this is a self-assessment planning tool, not mortgage advice, pre-approval or a lender decision. Consult a licensed mortgage professional before committing.
Areas and weights mirror common affordability ratios (debt-to-income, deposit months, reserve buffers); simplified for self-use.
Budget conversations between agents, lenders and buyers often float on vague feelings of 'we can probably manage'. This assessment replaces the float with a score: income stability, savings and down payment, existing debts, holding costs (taxes, insurance, maintenance) and reserve comfort. Responses are weighted into a total, and the AI report translates it into a shopping band, the pinch points, and the two or three moves that widen it — printable, shareable, and explicitly not a mortgage decision.
Sample form and AI report preview (fillable once the app is published).
Everything you need to run this template.
Household income, employment type, durability.
Months saved, deposit gap, gifting plans.
Loans, support, credit posture.
Tax, insurance, maintenance realities.
From copy to deliverable in four steps.
Agents: send as a pre-consultation step.
Six areas, real numbers, ten minutes.
See the band and the dragging lines.
A printable brief for lender conversations.
Pick your role — see how it fits your workflow.
Know your band before falling in love.
Qualify budget conversations early.
Give prospects a pre-self-check.
What makes this template work as a professional deliverable.
A preview of real questions — the full version lets you customize every field.
