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Affordability Brain

A quick, simple and efficient way to see how much your customers could borrow. Fill in one form which populates affordability calculators of multiple lenders, returning results in under a minute.

Free Trial

Why Affordability Brain

Give your clients clarity and transparency on how much they could borrow. Affordability Brain helps advisers manage client expectations based on the most up-to-date information available.

Save time

Submit information on property, income, debt and expenditure to up to 36 lenders simultaneously. Results are returned in under 1 minute

Reduce rekeying

Easily amend and re-run searches if client or property circumstances change, to save even more time

Easy compliance

Each step of the lender’s affordability calculation is recorded, providing a full audit trail to support your compliance audit trial

Affordability Brain Key Features

It’s FREE for Sourcing Brain and Criteria Brain users
We work with lenders to ensure the correct incomes are taken and mapped to the correct field.
Great coverage. Lenders on the platform account for 85% of mortgages sold in the UK
Results are broken down into three areas
- Loan to Requested – is the amount requested affordable
- Loan to purchase – maximum based on property and income
- Loan to income – maximum based on income
Results show assumptions, deal breakers, and exceptions
Self-employed client? No problem, use multiple income types match client needs
Searches are cross-checked against products on Mortgage Brain

COlour graphic of PC monitor with Affordaibility Brain screen

Take a free 30-day trial of Affordability Brain and quickly manage a customer’s expectations of how much they can borrow right at the start of their mortgage journey.

Free trial

testimonials

Alex Austin | Product Manager

“Integrating Mortgage Brain’s criteria database and affordability calculator into our website helps brokers quickly and easily find information to make an informed decision.”

Sesame Bankhall Group

Alex Beavis | Director of Mortgage and Protection

“Thousands of our advisers across PMS, Bankhall and Sesame depend on Mortgage Brain daily for access to a wide range of tech propositions to help them work more efficiently.”

Carl Webber | Chief Technology Officer

“Changing our sourcing provider was a significant project for us, MBL's support team was brilliant and the collaboration on future developments is something that we very much value.”

Charly Higman | Mortgage and Protection Director

“Sourcing Brain offers advisers an end-to-end process for comparing products, calculating affordability, checking complex criteria and confirming estimated valuations with Hometrack.”

Fluent Mortgages

Daniel Payne

“Criteria Brain is a brilliant time-saving tool. It's easy to use and saves hours of phoning or visiting lender websites. It makes impossible cases possible. ”

The Openwork Partnership

David Booth | Mortgage Proposition Manager

“Mortgage Brain has been a trusted partner for sourcing mortgages for a number of years. With Criteria Brain, Affordability Brain and Submissions Brain, advisers have the full tool kit”.”

Ian Merriman | Head of Network Recruitment

“Sourcing Brain is simple to use, producing all your research and regulatory documentation with accuracy, straight to the clients' files.”

Affinity Group

Jamie Lewis | Managing Director

“Since we started our journey with The Key/Mortgage Brain, they have supported us at every stage and are on the cutting edge of support for businesses - a great partner!”

Mortgage Force (UK) Ltd

Paul Varney

“The single platform allows you the collect your client’s data and then source a mortgage product with ease. In addition, the site has links to the lender’s criteria and affordability calculators.”

Finance Planning Group

Pete Burgess

“At FPG we’ve worked with Mortgage Brain for almost 7 years. We find them open and easy to deal with, and our brokers like the simplicity and ease of their systems.”

SimplyBiz Mortgages

Richard Merrett | Head of Strategic Development

“Mortgage Brain's excellent tools such as Criteria Brain and Affordability Brain help to narrow the funnel and guide advisers towards the best potential solutions.”

Rob Clifford | Chief Commercial Officer

“In addition to Sourcing Brain, we also get access to Affordability and Criteria Brain which are incredibly useful tools and make it easier for brokers to find the best products with confidence.”

Simon Fenton | Finance Manager

“Criteria Brain helps us check lender criteria against client circumstances. This fantastic system helps advisers check multiple criteria. Quicker than scrolling through lender sites.”

Sophie Waugh

“Mortgage Brain’s functions allow us to source deals, view lenders’ criteria, and check affordability making life as a broker so much easier. ”

Stephen Brown | Head of Intermediaries

“Mortgage Brain helped us build our affordability calculator. It has greatly improved our broker journey and allows brokers to quickly compare us against a myriad of lenders.”

The Mortgage Mum

“Criteria Brain, Affordability Brain and Sourcing Brain help our team so much on a daily basis, and most importantly they help our clients. They are easy to navigate and full of information.”

Tom Gwilliam | Mortgage Adviser

“Mortgage Brain is clear, simple and easy to use. Their service is second to none and consistently helps me get the right solution for my customer’s needs.”