Sense™ Engine Technology
Understand your credit readiness before you apply
CreditSense™ analyses your financial situation and tells you your likelihood of approval, your disposable income, what’s helping or hurting your position — and exactly what to do next.
Apply once, at the right time, to the right product. Stop wasting hard searches on rejections.
- Likelihood band (High/Medium/Low)
- Plain-English reasons
- Top 3 fixes + timeline
- Everything in Lite
- 30–60 day improvement plan
- Disposable income breakdown
- Do/Don’t checklist
- Document checklist
- Everything in Plus
- Broker-ready PDF summary
- Goal-specific prep pack
- 90-day readiness plan
What your report includes
One submission returns a clear, actionable picture of your credit position — no jargon, no guesswork.
Likelihood Band
High, Medium or Low — based on your income, outgoings, credit history and goal type.
Disposable Income Analysis
Exactly how much you have left after all committed outgoings — the number lenders care most about.
LTV & Equity Calculation
For mortgage, remortgage and second charge — your loan to value ratio and available equity calculated instantly.
Plain-English Reasons
What’s helping and hurting — utilisation, stability, search history, missed payments explained clearly.
Improvement Plan & Checklist
Prioritised steps with a realistic timeline, plus a Do/Don’t list for the weeks before application.
Broker-Ready PDF (Pro)
A clean summary your broker or adviser can use — formatted for professional handover.