Affordability from real income and spending.
Mortgage affordability turns on genuine income and committed spending, especially for the self-employed. Credit Canary reads the applicant's accounts to verify income, measure real outgoings, and evidence affordability beyond a declared figure or an ONS average.
Declared, then verified
A payslip is a moment. The account is the whole picture.
- Income from payslips and declared figures
- Outgoings modelled from national averages
- Self-employed income hard to evidence
- Committed credit elsewhere easy to miss
- Income verified from real credits over months
- Committed spend read from actual transactions
- Self-employed income averaged from real receipts
- Existing commitments surfaced from the feed
Open banking across the mortgage decision
A fuller, fairer affordability view for every applicant.
Income
Verify salaried and self-employed income from real credits.
Affordability
Measure committed spend and surplus from transactions.
Self-employed
Average lumpy income over a realistic window.
Evidence
A defensible affordability view beyond declared or averaged figures.
The statement, turned into affordability
The Open Banking enrichment behind our wider work, read as verified income and real outgoings.
Insight from across the platform
Mortgage decisions draw on the same Open Banking depth and modules as the rest of Credit Canary.
Income verification
Turning transactions into verified, evidenced income.
Affordability assessment
Real income minus committed spending, not a declared guess.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability score
A decision-ready affordability view from real transactions.
Decisioning engine
Policy, data and models in one live, explainable decision.
All consumer credit products
Credit cards, BNPL, mortgages, car finance and more.
Evidence mortgage affordability, fairly.
See how Credit Canary verifies income and outgoings from a real account.