Tell us about your intended property, It’s price range, the ideal location, your timeline and your current savings for a mortgage deposit and other costs such as stamp duty, legal fees etc.
We will show you which home buying schemes you may be eligible for which could reduce your mortgage
deposit requirement to 5% of the property price, provide a discount on the property price and
the possibility of getting on the property ladder more quickly.
We also show you what you need to do to remain eligible and when each home buying scheme ends.
We will also show you private market home buying schemes which you may be eligible for. These home buying schemes may get you on the property ladder sooner.
We will tell you exactly how much you need to save per month for your mortgage deposit and other costs such as your stamp duty, legal costs etc. We will then let you know if this savings target is within reach and encourage you to put that money away every month.
We will help you cut down your monthly expenses so you have more to save towards your property ladder plan.
You can save with a Co-buyer and keep each other motivated through tracked goals or get matched to a potential co-buyer who is saving a mortgage deposit and looking to buy within your timeline and criteria. Co-buying could potentially reduce your timeline on to the property ladder and may increase your buying power.
We will show you what you can afford by giving you a full picture of your mortgage affordability from a Mortgage lender’s point of view. How your credit score and history match up? How your current expenses will be viewed by a Mortgage lender? How much Mortgage could you afford? And suggestions to improve your mortgage affordability.
We will show you mortgages you may currently be eligible for based on your current circumstances, this will include their costs, interest rates, terms and other main features. And when you are looking to obtain a Mortgage, we will give you mortgage advice and let you know your best Mortgage options. Learn more about getting on the property ladder with Huuti.
We believe your financial wellbeing depends so much on your credit score and history. We give you a full picture of your credit report and history, your credit score, any open accounts you have, your repayment history on credit products and any credit searches, which could help protect you from being a victim of identity theft.
See what's pulling your credit score down and what may have affected your credit score. And then see what habits you could adapt to push it back up.
Get actionable insights on how to improve your credit score and build a better credit history. We
don't just give you vague recommendations but insights in line with any Huuti plans you are currently
on and any accounts you have which are contributing to your credit score.
Are you trying to get on the property ladder?
Great! We will inform you what the minimum credit score you may need is.
Are you trying to buy a car through the use of credit(i.e car finance)? Then, we will let you know what score you may need to be eligible for car finance at a fair rate.
We will help you build your credit history by reporting your rental payments to the credit bureau.
Paying your rent on time will leave a positive mark on your credit file which may in turn increase your credit score and give you access to much fairer credit products.
To report your rent payments with Huuti, just sign up and let us know you want to report your rent payments.
If it’s looking like you can’t make a monthly repayment or you are wondering what your credit score could look like if you hadn't missed those payments a few months back or maybe you are interested in what rates you could possibly be eligible for with different products based on a new credit score and history? Our credit score simulator will answer these questions and allow you to make better financial decisions.
Improve your chances of accessing fairer credit terms by building your credit score and history through a ‘credit-builder
loan’. Repay the loan over the loan term and get your money back at the end of the term.
A better credit score and history is good for your financial wellbeing. Whilst a better score and history may not always mean access to fairer or better rates or credit products it certainly increases the likelihood. Learn more about Credit Building with Huuti.
We will show you a full picture of your current debts, their monthly costs, their due dates, their total interest cost and their total costs. We will also show you how much you have left over in disposable income per month which you can put towards your debt repayment goal.
Good debt vs Bad debt? Biggest balance vs highest interest? Choose a debt repayment goal that works for you based on your
income and potential savings in interest repayments or fees.
We will show you a beautiful illustration of how each debt repayment strategy should work if you stick to your debt repayment goal. This means when you should expect to be debt free, how much your monthly repayments will likely be and the general features of each debt repayment option.
Once you have chosen a debt repayment strategy, we will encourage you to put money away in your debt pot for monthly debt repayments each month.
We will help you save on your monthly expenses by recommending cheaper alternatives where possible so you have more money
to put away towards your debts.
We will show you insights on how to improve your credit score and history which could help you access credit products with better rates or terms in the future. By borrowing responsibly and only taking on debt you can afford on fair credit terms you should be able to stay out of debt in the future. Learn more about shaking off debt with Huuti.
We will show you how much you owe on your mortgage, how many payments are left, what you have repaid and the remaining term.
Get overpayment insights on when you can overpay on your mortgage, how much to overpay by and how much you might save in interest repayments by overpaying your monthly mortgage repayment.
Get instant notifications on when you could switch your mortgage and what you could potentially save in mortgage interest. We will show you how much you could save taking into consideration all the likely costs involved.
See how much equity you might have in your property, how much your property might havet risen in value and what mortgage products you could be potentially eligible for based on your current circumstances.
Get an overview of your mortgage self from a mortgage lenders point of view and get mortgage insights to improve your mortgage affordability.
We will show you which remortgage options you may currently be eligible for based on your current circumstances, this will include their costs, interest rates, terms and any other main features. And when you are ready to remortgage, we will give you mortgage advice and let you know what we consider to be your best remortgage options. Learn more about Managing your mortgage with Huuti.
Financial wellbeing depends a lot on our knowledge. We will show you what you need to know about key aspects of your financial life with beautifully designed content. Learn more about Huuti’s financial knowledge content.