Get mortgage-ready months before you apply
Most tools help at application. MortgageOS uses AI to track your readiness over time, so you know exactly when you qualify - and for how much.
AI-powered analysis • Works with UK credit reports • Understands Ltd company income • Tracks 90+ UK lender criteria
New milestone reached
Your 2-year trading history now qualifies you for 12 more lenders
Credit score improved
Up 23 points since last month - you now meet Nationwide criteria
Built for the 6-24 months before you apply
Existing mortgage tools assume you're ready now. But if you're self-employed, building a deposit, or improving your credit - you need to track progress over months, not fill in a form once. Our AI tracks changes in your situation and lender criteria over time, alerting you when new options open up.
How it works
Chat with AI about your situation
Have a natural conversation with our AI assistant about your income, deposit, and goals. No forms, no jargon - just tell it your situation.
Track your readiness over time
Upload your credit report and our AI instantly analyses it against lender criteria. See your readiness score improve as your situation changes.
See what you actually qualify for
Our AI matches your profile against real lender criteria - not just rates. Know which of 90+ UK lenders would say yes today.
Self-employed? Ltd company director? Finally, a tool that gets it.
Our AI understands how different lenders assess self-employed income - from sole traders to Ltd company directors with multiple income streams. We know which lenders want 1 year of accounts vs 3, who accepts director loans, and how to present your income for maximum borrowing.