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One mortgage policy, 5,760 applicants
Every square is a separate applicant, priced live by a 138-rule decision table: credit score across, loan-to-value up. Change the borrower and all 5,760 are re-decided in one round trip.
How it works
- One policy, written as prose
The lending policy (score floors, loan-to-value caps, buy-to-let and self-employed rules, first-time buyer products) was written as a paragraph and turned into a 138-rule decision table.
- Every square is an applicant
The grid is 5,760 applicants: credit score from 500 to 850 across, loan-to-value from 50% to 100% up. Each one is a separate set of inputs sent to the table.
- One round trip per change
Changing employment, property use or first-time buyer re-decides the whole grid in a single batch request. The first rule that matches each applicant sets its decision, rate and product.
- Rules show up as regions
Point at a rule in the table below and the map dims everything that rule doesn't decide, so you can see exactly which applicants each line of policy covers.
The rules behind the map
Policy, as writtenPrice mortgages from credit score and loan-to-value. Below 560 decline. Above 95% LTV decline, except salaried first-time buyers buying a home with 720+ get First Home 100 at 5.69%. Buy-to-let: max 75% LTV, min score 660, refer below 700, rates 4.39% to 5.59% by score and LTV. Second homes: max 85% LTV, min 640, refer above 80% LTV under 720, rates 4.29% to 5.39%. Self-employed: decline under 640, refer above 90% LTV or under 680. Contractors: decline under 620, refer above 90% LTV under 740. First-time buyers with 680+ get First Home 95 at 5.09% between 90% and 95%. Scores 680–699 at 80–85% LTV need mortgage insurance (refer). Scores 600–619 with at most 60% LTV get Equity Builder at 5.49%. Spring Offer: 740–759 at 86–88% LTV, 4.49%. Low scores cap the loan-to-value: under 580 decline above 65%, under 600 above 72%, under 620 above 80%, under 640 above 86%, under 660 above 91%; anyone else under 600 goes to specialist lending. Everyone else: a base rate per 20-point score band, from 3.59% at 840+ rising to about 6.2% at 600, plus an LTV loading in 5% steps (nothing up to 60%, rising to +1.35% at 95%).
| # | Credit score | Loan-to-value (%) | Employment | Property use | First-time buyer | Decision | Rate | Product | Hits |
|---|---|---|---|---|---|---|---|---|---|
| 1 | < 560 | · | · | · | · | Decline | None | Below minimum score | |
| 2 | ≥ 720 | > 95 | Salaried | Home | yes | Approve | 5.69% | First Home 100 | |
| 3 | · | > 95 | · | · | · | Decline | None | LTV above 95% | |
| 4 | · | > 75 | · | Buy-to-let | · | Decline | None | Buy-to-let max 75% LTV | |
| 5 | < 660 | · | · | Buy-to-let | · | Decline | None | Buy-to-let min score 660 | |
| 6 | < 700 | · | · | Buy-to-let | · | Refer | 6.49% | Buy-to-let underwriting | |
| 7 | ≥ 780 | ≤ 60 | · | Buy-to-let | · | Approve | 4.39% | Buy-to-let Prime | |
| 8 | · | ≤ 60 | · | Buy-to-let | · | Approve | 4.79% | Buy-to-let | |
| 9 | ≥ 760 | ≤ 70 | · | Buy-to-let | · | Approve | 4.89% | Buy-to-let Prime | |
| 10 | · | ≤ 70 | · | Buy-to-let | · | Approve | 5.19% | Buy-to-let | |
| 11 | · | · | · | Buy-to-let | · | Approve | 5.59% | Buy-to-let | |
| 12 | · | > 85 | · | Second home | · | Decline | None | Second home max 85% LTV | |
| 13 | < 640 | · | · | Second home | · | Decline | None | Second home min score 640 | |
| 14 | < 720 | > 80 | · | Second home | · | Refer | 6.19% | Second home underwriting | |
| 15 | ≥ 760 | ≤ 70 | · | Second home | · | Approve | 4.29% | Second Home Prime | |
| 16 | · | ≤ 70 | · | Second home | · | Approve | 4.69% | Second Home | |
| 17 | ≥ 740 | · | · | Second home | · | Approve | 4.99% | Second Home | |
| 18 | · | · | · | Second home | · | Approve | 5.39% | Second Home | |
| 19 | < 640 | · | Self-employed | · | · | Decline | None | Self-employed min score 640 | |
| 20 | · | > 90 | Self-employed | · | · | Refer | 6.09% | Two years of accounts | |
| 21 | < 680 | · | Self-employed | · | · | Refer | 5.99% | Two years of accounts | |
| 22 | < 620 | · | Contractor | · | · | Decline | None | Contractor min score 620 | |
| 23 | < 740 | > 90 | Contractor | · | · | Refer | 5.89% | Contract history check | |
| 24 | ≥ 680 | > 90 | · | · | yes | Approve | 5.09% | First Home 95 | |
| 25 | 680–699 | 80–85 | · | · | · | Refer | 5.79% | Mortgage insurance required | |
| 26 | 600–619 | ≤ 60 | · | · | · | Approve | 5.49% | Equity Builder | |
| 27 | 740–759 | 86–88 | · | · | · | Approve | 4.49% | Spring Offer | |
| 28 | < 580 | > 65 | · | · | · | Decline | None | Score too low for LTV | |
| 29 | < 600 | > 72 | · | · | · | Decline | None | Score too low for LTV | |
| 30 | < 620 | > 80 | · | · | · | Decline | None | Score too low for LTV | |
| 31 | < 640 | > 86 | · | · | · | Decline | None | Score too low for LTV | |
| 32 | < 660 | > 91 | · | · | · | Decline | None | Score too low for LTV | |
| 33 | < 600 | · | · | · | · | Refer | 6.49% | Specialist lending | |
| 34 | ≥ 840 | ≤ 60 | · | · | · | Approve | 3.59% | Prime Fixed | |
| 35 | ≥ 820 | ≤ 60 | · | · | · | Approve | 3.77% | Prime Fixed | |
| 36 | ≥ 800 | ≤ 60 | · | · | · | Approve | 3.95% | Prime Fixed | |
| 37 | ≥ 780 | ≤ 60 | · | · | · | Approve | 4.15% | Prime Fixed | |
| 38 | ≥ 760 | ≤ 60 | · | · | · | Approve | 4.35% | Prime Fixed | |
| 39 | ≥ 740 | ≤ 60 | · | · | · | Approve | 4.56% | Standard Fixed | |
| 40 | ≥ 720 | ≤ 60 | · | · | · | Approve | 4.78% | Standard Fixed | |
| 41 | ≥ 700 | ≤ 60 | · | · | · | Approve | 5.01% | Standard Fixed | |
| 42 | ≥ 680 | ≤ 60 | · | · | · | Approve | 5.25% | Standard Fixed | |
| 43 | ≥ 660 | ≤ 60 | · | · | · | Approve | 5.49% | Near Prime | |
| 44 | ≥ 640 | ≤ 60 | · | · | · | Approve | 5.75% | Near Prime | |
| 45 | ≥ 620 | ≤ 60 | · | · | · | Approve | 6.01% | Near Prime | |
| 46 | ≥ 600 | ≤ 60 | · | · | · | Approve | 6.28% | Near Prime | |
| 47 | ≥ 840 | ≤ 65 | · | · | · | Approve | 3.67% | Prime Fixed | |
| 48 | ≥ 820 | ≤ 65 | · | · | · | Approve | 3.85% | Prime Fixed | |
| 49 | ≥ 800 | ≤ 65 | · | · | · | Approve | 4.03% | Prime Fixed | |
| 50 | ≥ 780 | ≤ 65 | · | · | · | Approve | 4.23% | Prime Fixed | |
| 51 | ≥ 760 | ≤ 65 | · | · | · | Approve | 4.43% | Prime Fixed | |
| 52 | ≥ 740 | ≤ 65 | · | · | · | Approve | 4.64% | Standard Fixed | |
| 53 | ≥ 720 | ≤ 65 | · | · | · | Approve | 4.86% | Standard Fixed | |
| 54 | ≥ 700 | ≤ 65 | · | · | · | Approve | 5.09% | Standard Fixed | |
| 55 | ≥ 680 | ≤ 65 | · | · | · | Approve | 5.33% | Standard Fixed | |
| 56 | ≥ 660 | ≤ 65 | · | · | · | Approve | 5.57% | Near Prime | |
| 57 | ≥ 640 | ≤ 65 | · | · | · | Approve | 5.83% | Near Prime | |
| 58 | ≥ 620 | ≤ 65 | · | · | · | Approve | 6.09% | Near Prime | |
| 59 | ≥ 600 | ≤ 65 | · | · | · | Approve | 6.36% | Near Prime | |
| 60 | ≥ 840 | ≤ 70 | · | · | · | Approve | 3.77% | Prime Fixed | |
| 61 | ≥ 820 | ≤ 70 | · | · | · | Approve | 3.95% | Prime Fixed | |
| 62 | ≥ 800 | ≤ 70 | · | · | · | Approve | 4.13% | Prime Fixed | |
| 63 | ≥ 780 | ≤ 70 | · | · | · | Approve | 4.33% | Prime Fixed | |
| 64 | ≥ 760 | ≤ 70 | · | · | · | Approve | 4.53% | Prime Fixed | |
| 65 | ≥ 740 | ≤ 70 | · | · | · | Approve | 4.74% | Standard Fixed | |
| 66 | ≥ 720 | ≤ 70 | · | · | · | Approve | 4.96% | Standard Fixed | |
| 67 | ≥ 700 | ≤ 70 | · | · | · | Approve | 5.19% | Standard Fixed | |
| 68 | ≥ 680 | ≤ 70 | · | · | · | Approve | 5.43% | Standard Fixed | |
| 69 | ≥ 660 | ≤ 70 | · | · | · | Approve | 5.67% | Near Prime | |
| 70 | ≥ 640 | ≤ 70 | · | · | · | Approve | 5.93% | Near Prime | |
| 71 | ≥ 620 | ≤ 70 | · | · | · | Approve | 6.19% | Near Prime | |
| 72 | ≥ 600 | ≤ 70 | · | · | · | Approve | 6.46% | Near Prime | |
| 73 | ≥ 840 | ≤ 75 | · | · | · | Approve | 3.89% | Prime Fixed | |
| 74 | ≥ 820 | ≤ 75 | · | · | · | Approve | 4.07% | Prime Fixed | |
| 75 | ≥ 800 | ≤ 75 | · | · | · | Approve | 4.25% | Prime Fixed | |
| 76 | ≥ 780 | ≤ 75 | · | · | · | Approve | 4.45% | Prime Fixed | |
| 77 | ≥ 760 | ≤ 75 | · | · | · | Approve | 4.65% | Prime Fixed | |
| 78 | ≥ 740 | ≤ 75 | · | · | · | Approve | 4.86% | Standard Fixed | |
| 79 | ≥ 720 | ≤ 75 | · | · | · | Approve | 5.08% | Standard Fixed | |
| 80 | ≥ 700 | ≤ 75 | · | · | · | Approve | 5.31% | Standard Fixed | |
| 81 | ≥ 680 | ≤ 75 | · | · | · | Approve | 5.55% | Standard Fixed | |
| 82 | ≥ 660 | ≤ 75 | · | · | · | Approve | 5.79% | Near Prime | |
| 83 | ≥ 640 | ≤ 75 | · | · | · | Approve | 6.05% | Near Prime | |
| 84 | ≥ 620 | ≤ 75 | · | · | · | Approve | 6.31% | Near Prime | |
| 85 | ≥ 600 | ≤ 75 | · | · | · | Approve | 6.58% | Near Prime | |
| 86 | ≥ 840 | ≤ 80 | · | · | · | Approve | 4.04% | Prime Fixed | |
| 87 | ≥ 820 | ≤ 80 | · | · | · | Approve | 4.22% | Prime Fixed | |
| 88 | ≥ 800 | ≤ 80 | · | · | · | Approve | 4.40% | Prime Fixed | |
| 89 | ≥ 780 | ≤ 80 | · | · | · | Approve | 4.60% | Prime Fixed | |
| 90 | ≥ 760 | ≤ 80 | · | · | · | Approve | 4.80% | Prime Fixed | |
| 91 | ≥ 740 | ≤ 80 | · | · | · | Approve | 5.01% | Standard Fixed | |
| 92 | ≥ 720 | ≤ 80 | · | · | · | Approve | 5.23% | Standard Fixed | |
| 93 | ≥ 700 | ≤ 80 | · | · | · | Approve | 5.46% | Standard Fixed | |
| 94 | ≥ 680 | ≤ 80 | · | · | · | Approve | 5.70% | Standard Fixed | |
| 95 | ≥ 660 | ≤ 80 | · | · | · | Approve | 5.94% | Near Prime | |
| 96 | ≥ 640 | ≤ 80 | · | · | · | Approve | 6.20% | Near Prime | |
| 97 | ≥ 620 | ≤ 80 | · | · | · | Approve | 6.46% | Near Prime | |
| 98 | ≥ 600 | ≤ 80 | · | · | · | Approve | 6.73% | Near Prime | |
| 99 | ≥ 840 | ≤ 85 | · | · | · | Approve | 4.24% | Prime Fixed | |
| 100 | ≥ 820 | ≤ 85 | · | · | · | Approve | 4.42% | Prime Fixed | |
| 101 | ≥ 800 | ≤ 85 | · | · | · | Approve | 4.60% | Prime Fixed | |
| 102 | ≥ 780 | ≤ 85 | · | · | · | Approve | 4.80% | Prime Fixed | |
| 103 | ≥ 760 | ≤ 85 | · | · | · | Approve | 5.00% | Prime Fixed | |
| 104 | ≥ 740 | ≤ 85 | · | · | · | Approve | 5.21% | Standard Fixed | |
| 105 | ≥ 720 | ≤ 85 | · | · | · | Approve | 5.43% | Standard Fixed | |
| 106 | ≥ 700 | ≤ 85 | · | · | · | Approve | 5.66% | Standard Fixed | |
| 107 | ≥ 680 | ≤ 85 | · | · | · | Approve | 5.90% | Standard Fixed | |
| 108 | ≥ 660 | ≤ 85 | · | · | · | Approve | 6.14% | Near Prime | |
| 109 | ≥ 640 | ≤ 85 | · | · | · | Approve | 6.40% | Near Prime | |
| 110 | ≥ 620 | ≤ 85 | · | · | · | Approve | 6.66% | Near Prime | |
| 111 | ≥ 600 | ≤ 85 | · | · | · | Approve | 6.93% | Near Prime | |
| 112 | ≥ 840 | ≤ 90 | · | · | · | Approve | 4.54% | Prime Fixed | |
| 113 | ≥ 820 | ≤ 90 | · | · | · | Approve | 4.72% | Prime Fixed | |
| 114 | ≥ 800 | ≤ 90 | · | · | · | Approve | 4.90% | Prime Fixed | |
| 115 | ≥ 780 | ≤ 90 | · | · | · | Approve | 5.10% | Prime Fixed | |
| 116 | ≥ 760 | ≤ 90 | · | · | · | Approve | 5.30% | Prime Fixed | |
| 117 | ≥ 740 | ≤ 90 | · | · | · | Approve | 5.51% | Standard Fixed | |
| 118 | ≥ 720 | ≤ 90 | · | · | · | Approve | 5.73% | Standard Fixed | |
| 119 | ≥ 700 | ≤ 90 | · | · | · | Approve | 5.96% | Standard Fixed | |
| 120 | ≥ 680 | ≤ 90 | · | · | · | Approve | 6.20% | Standard Fixed | |
| 121 | ≥ 660 | ≤ 90 | · | · | · | Approve | 6.44% | Near Prime | |
| 122 | ≥ 640 | ≤ 90 | · | · | · | Approve | 6.70% | Near Prime | |
| 123 | ≥ 620 | ≤ 90 | · | · | · | Approve | 6.96% | Near Prime | |
| 124 | ≥ 600 | ≤ 90 | · | · | · | Approve | 7.23% | Near Prime | |
| 125 | ≥ 840 | ≤ 95 | · | · | · | Approve | 4.94% | Prime Fixed | |
| 126 | ≥ 820 | ≤ 95 | · | · | · | Approve | 5.12% | Prime Fixed | |
| 127 | ≥ 800 | ≤ 95 | · | · | · | Approve | 5.30% | Prime Fixed | |
| 128 | ≥ 780 | ≤ 95 | · | · | · | Approve | 5.50% | Prime Fixed | |
| 129 | ≥ 760 | ≤ 95 | · | · | · | Approve | 5.70% | Prime Fixed | |
| 130 | ≥ 740 | ≤ 95 | · | · | · | Approve | 5.91% | Standard Fixed | |
| 131 | ≥ 720 | ≤ 95 | · | · | · | Approve | 6.13% | Standard Fixed | |
| 132 | ≥ 700 | ≤ 95 | · | · | · | Approve | 6.36% | Standard Fixed | |
| 133 | ≥ 680 | ≤ 95 | · | · | · | Approve | 6.60% | Standard Fixed | |
| 134 | ≥ 660 | ≤ 95 | · | · | · | Approve | 6.84% | Near Prime | |
| 135 | ≥ 640 | ≤ 95 | · | · | · | Approve | 7.10% | Near Prime | |
| 136 | ≥ 620 | ≤ 95 | · | · | · | Approve | 7.36% | Near Prime | |
| 137 | ≥ 600 | ≤ 95 | · | · | · | Approve | 7.63% | Near Prime | |
| 138 | · | · | · | · | · | Refer | None | Manual review |
These rules started as a paragraph of plain-English policy. Yours can too.
See pricing