For UK first-time buyers

Figuring out if buying a home is actually possible for you.

No sales pitch. No account. An honest look at where you are, your readiness stage, and the two moves that will make the most difference.

No account needed3 minutesFree
Your readiness stage
On Track
Your plan is working. The numbers stack up and the timeline is realistic.
Exploring
›
Building
›
On Track
›
Ready
Your top move right now
1
Open a Lifetime ISA this week
Government adds 25% to everything you save — up to £1,000/yr free.
£1,000/yr free
What's shaping your pathway
Income vs your area
Looking strong
Deposit progress
More than halfway
Monthly breathing room
Some room
Target home
£265,000
Deposit target
£13,250
No account needed
Your data is never sold
No sales calls. Ever.
Completely free
The problem

Most first-time buyers don't know where to start. Not because they're not capable.

Because no one has shown them the full picture in plain English. The mortgage industry is built around qualification — not clarity.

68%
of first-time buyers feel overwhelmed before they've even started
£3k
left unclaimed in LISA bonuses by eligible buyers each year on average
"I don't know if I can even afford to buy where I live."
Most people overestimate how far away they are. Evir shows you the real number.
"There are schemes I should know about — but I don't."
The LISA adds up to £1,000 a year for free. Most eligible buyers haven't opened one.
"I've spoken to a broker but still feel lost."
Brokers optimise for the mortgage. Evir optimises for your understanding of the whole picture.
How it works

A few questions. One honest picture.

No debt questions. No credit checks. A handful of inputs — and a result that tells you more than most people learn in months of research.

1
Answer a few quick questions
Income, savings, how much you can set aside monthly, and where you want to buy. All estimates.
2
See your readiness stage
You're placed on a clear four-stage pathway with a six-factor breakdown showing exactly what's driving your position.
3
Know your two next moves
Two concrete actions, prioritised by impact — with the specific effect on your timeline stated clearly.
The readiness pathway

Every buyer is somewhere on this path.

Evir tells you exactly where you are — and what moves you to the next stage. Every stage is forward-looking, never a judgement.

Exploring
Buying is a real goal. The path needs clearing — knowing what needs to shift is the first step.
Clear actions will move you to Building faster than you think.
Building
Real momentum. Buying within 2–3 years is genuinely achievable. A few moves could shorten it significantly.
LISA and spending tweaks are the two highest-leverage actions here.
On Track
The plan is working. Numbers stack up, timeline is realistic. Stay consistent and milestones will follow.
A mortgage in principle at the right moment is the next priority.
Ready to Act
Deposit is there. Numbers work. Next steps are concrete — mortgage in principle, then the search begins.
This is when the real search begins.
What you get

Everything you need to understand where you stand.

Your readiness stage
A clear position on the pathway with warm, forward-looking language. Not a score or grade — a direction.
Your two highest-impact actions
Two specific moves, prioritised by how much they change your timeline — with the impact stated clearly.
Six-factor breakdown
Income, deposit, saving rate, breathing room, track record, and scheme eligibility — all in plain English.
Government schemes surfaced
Only schemes that apply to you, with a personalised explanation and real numbers from your situation.
Your journey map
A visual milestone path from where you are today to keys in hand. Your next step is always clear.
Plain English guides
Short reads covering mortgages, LISAs, Shared Ownership, and mortgage in principle. Under 3 minutes each.
Start for free today

Find out where you actually stand.

Under 3 minutes. Your honest picture — and the two moves that will make the most difference.

No account  ·  No data sold  ·  Free
No account needed
Figuring out if buying a home is actually possible for you.
That's what Evir is for. No sales pitch. No sign-up. An honest look at where you are and what to do next.

Let's start.

Four short questions. All estimates are fine. Under 3 minutes.

No account needed
Your data is never sold
No sales calls
Tell us about your situation.
Select everything that applies — this helps us personalise your picture.
Roughly how much do you earn each year?
Before tax. All figures are estimates — use your best guess.
£
Your partner's income
Their gross annual income before tax.
£
How much have you managed to save so far?
Just your own savings — we'll add any contributions separately below.
£
Family or gift contribution
How much are they putting towards the deposit? Put 0 if you're not sure yet.
£
How much can you set aside each month?
A rough figure — what feels realistic after rent and normal spending.
£
Where are you hoping to buy?
A general area is fine — you're not committed to anything here.
I have a specific property in mind
Target property price
We'll use this for your deposit and timeline calculations.
£
Your readiness stage
Your top two moves
What's shaping your pathway
Based on what you've shared
Deposit needed
Timeline
Here's the shape of your journey.
Every step is achievable. Here's exactly where you are — and what comes next.
Optional
Want to save your picture?
Get a copy of your results sent to you. Nothing else — no newsletter, ever.
Entirely optional. Evir works fine without an account.
Plain English, no jargon.
Under 3 minutes each.
How mortgages actually work
What you're really paying for, and why the deposit matters so much.
The Lifetime ISA explained
Free government money — and why most people don't know about it.
Shared Ownership — what it means
Owning part of a home isn't as complicated as it sounds.
What is a mortgage in principle?
Not a promise — but a useful signal when you're getting closer.
How mortgages actually work

A mortgage is a loan to buy a home — secured against that home. The bank lends you most of the purchase price, and you pay it back over 25–35 years with interest.

The part you contribute upfront is your deposit. Lenders typically want at least 5% of the property's value. For a £220,000 home, that's about £11,000.

The bigger your deposit, the less you borrow — and lenders offer better rates when you're borrowing less. A 10% deposit will nearly always get you a better deal than 5%.

Lenders work out how much they'll offer based on your income — usually 4 to 4.5 times your annual salary. Add your deposit to that, and you have your total budget.

The Lifetime ISA — free government money

Save up to £4,000 a year into a Lifetime ISA and the government tops it up by 25% — automatically. Save £4,000, get £5,000. That extra £1,000 is free.

Over 3 years of saving the maximum, that's £3,000 of free money added to your deposit — without changing your saving rate at all.

To be eligible: aged 18–39 when you open it, first-time buyer, property must cost £450,000 or less. Most major banks offer them and it takes about 20 minutes to open.

Shared Ownership — owning part of a home

Shared Ownership lets you buy between 10% and 75% of a home and pay rent on the rest. You only need a deposit on the share you're buying — making it much more accessible.

For a £280,000 home, a 25% share costs £70,000. A 5% deposit on that is just £3,500 — compared to £14,000 for the full property.

You can buy more shares over time — staircasing — until you own it outright. Household income must be below £80,000 (£90,000 in London).

What is a mortgage in principle?

A mortgage in principle (AIP) is a statement from a lender saying they'd be willing to lend you a certain amount — based on a quick check of your income and credit history.

Don't get one too early — it leaves a soft mark on your credit record. Wait until you're close to your deposit goal and ready to start making offers.

Most lenders can give a decision within 24 hours. Estate agents and sellers often take buyers with an AIP more seriously.