See what lenders see — before you apply.
Get real affordability verdicts without impacting your credit score. Understand your financial standing based on actual FCA principles using secure Open Banking data.
- check_circleReal-time affordability assessment
- check_circleFull visibility into your spending profile
- check_circleZero footprints on your credit report
The Problem with Traditional Checks
Current affordability checks are opaque, binary, and often penalise consumers without explanation. We bring transparency to the black box of banking.
The Black Box
Lenders use proprietary algorithms and secret rules to judge your spending habits, leaving you in the dark until it's too late.
Incomplete Data
Traditional credit scores don't show the full picture of your day-to-day financial health, ignoring your real-time affordability.
Rejection Impact
Every failed application leaves a mark, making it harder to get approved in the future. We eliminate this risk entirely.
How Affordify Works
Three simple steps to financial clarity. No hard credit searches, no complicated forms.
1. Secure Link
Connect your primary bank accounts securely via regulated Open Banking. We only get read-only access.
2. Analysis
Our intelligent engine scans your transaction data against current UK lending criteria and FCA guidelines.
3. Your Verdict
Receive a transparent breakdown of your affordability status and actionable insights to improve your standing.
What You Get
We don't just say 'Yes' or 'No'. We empower you with a deep understanding of your financial attractiveness to lenders.
Spending Visibility
insightsSee exactly how lenders categorise your outgoing transactions, from essential bills to discretionary lifestyle spending.
Risk Insights
warningUnderstand potential red flags like gambling transactions, over-reliance on credit, or inconsistent income patterns.
Built on FCA Principles
The Financial Conduct Authority has core principles for responsible lending. We've translated them into clear assessments for you.
Customer Interest
We put your financial well-being ahead of lender commission.
Fair Treatment
Assessment based on facts, not biased credit scoring models.
Market Conduct
Adhering to the highest standards of financial integrity.
Communications
No jargon. Just clear, honest, and helpful financial feedback.
Prudent Management
Helping you manage your borrowing within your true means.
Client Assets
Your data is your asset. We protect it with banking-grade security.
Ready for total clarity?
Join thousands of users who are making smarter borrowing decisions by seeing their finances through the eyes of a lender.
Check affordability now