AI Mortgage & Housing Eligibility Navigator
0
Instantly find every mortgage, loan, and housing program you actually qualify for based on your full financial picture.
Added Feb 18, 2026
6 signals
The Problem
People with non-standard income situations — single buyers, bonus-heavy earners, minimum-wage renters, and those without formal housing documentation — struggle to understand what they can actually afford and qualify for. Banks apply rigid lending rules (like 4x salary caps or ignoring bonus income) that don't reflect real repayment capacity, leaving buyers frustrated and unaware of alternative paths to housing.
Potential Solution
A financial tool that ingests a user's complete financial profile (base salary, bonuses, savings, expenses, location, employment type) and cross-references it against mortgage products, government schemes, credit union options, shared ownership programs, and rental affordability criteria across multiple lenders and housing authorities. It surfaces personalized, ranked options with actionable next steps, highlights gaps, and suggests concrete strategies (e.g., guarantor mortgages, exception applications, affordable housing schemes) to bridge any shortfall.
Why Now?
Housing affordability is at crisis levels across the UK and Ireland, with record gaps between incomes and property prices. Simultaneously, the number of alternative lending products, government-backed schemes, and non-traditional mortgage options has exploded, making manual comparison nearly impossible for the average buyer or renter.
Almost half of TC through bonus. How do I get mortgage
Past 2 years avg TC was 200k. Roughly 50-60k was from bonus. New TC at new job is 230k including about 90k bonus. Likely 240-250 range in reality. Broker tells me likely only base is considered as that is what banks look at. Is this a limitation on the broker or banks.
Need advice for accessing universal credit without housing evidence.
Hi, as mentioned in the title, I can't access universal credit. I've just lost the only part time hours I had due to staff costs. My live in landlord has said they won't put me on the tenancy (no agreement) hey don't want to pay the extra council tax (their decision, not my fight). This means when asked for housing evidence from HMRC I have nothing to show for this. I am paying rent weekly, throwing out as many job applications as I can. I'm sure I can find work soon enough but for the meantime I'm quite concerned about what to do. I'm not here to lie, cheat or scheme the system, just unsure about how to access any benefit at all to help me get by during this period. Advice appreciated, thanks
Help with housing options for my aunt, who is a live-in housekeeper
Looking for some help and advice, please. My aunt is long past retirement age and still working as a live-in housekeeper in a very posh block of flats in central London. She wants to finally leave, but has had enough of London and wants to move somewhere else (far away, completely new town somewhere). My understanding is that if she chose to stay in London, due to her becoming homeless if she leaves her job, the council should/would look to house her somewhere pretty quickly. However, as she wants to move elsewhere, from what I can see, the only option available to her would be just to choose a town, find a flat or whatever and start renting it. I looked at a number of council websites around the country, and it seems like you have to have lived in that county for a period of time before you will be considered eligible for a housing application. Am I right in my understanding of the situation? If that's the case, as I think, then that's fine. I just want to make sure I haven't missed any options for making this process easier. I did suggest moving into a flat in an assisted living location, but she made it clear that's not an option for her. Thank you!
How to rent a flat if your yearly income is less than the monthly rent x30?
Hi guys! My partner and I decided to move in together and are looking into 1-bed flats. I've been renting a room in a house share, he has been living with his parents, we both work on minimum income jobs, which means we're both just over 43k altogether. We're living in London, so the rent here is insane. I started to look at the flats, but there is nothing for less than £1600, which, if I multiply on 30 (most of the agencies and landlords ask for that apparently), gives me 48k. Which is higher than our joint income, and will likely be refused when trying to rent. What can be done here? Should we look into getting a guarantor agency or anything? Is there any other way we can rent a 1-bed? I'm completely confused :(
Single, FTB — is there anything I can do to breach the gap between bank loan and house price?
I’m single, living and working in Dublin as a civil servant, and desperate to get my own home. I’m on an average income, one unfortunately that isn’t enough to purchase a home considering the Central Banks x4 times your annual salary rule. I’m frustrated because I have a lot of money saved and could afford to pay back a mortgage on a 300K home, but banks won’t lend more than the rules allow. Is there anything I can do to bride the extra 100K gap? Could I take out another loan with my credit union to purchase the house? Or am I simply doomed to wait until I can climb the pay scale in my job? Apologies if this has been asked already a hundred times over, and I understand there’s probably nothing to be done.
+9 more signals