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Skip the paperwork. We'll run it for you.

All we need from both applicants:

ID or passport copies
3 months' bank statements
3 months' payslips
Consent to check your credit score

We handle the rest of the assessment and action plan.

R500 / action plan

Once-off, per joint application

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Iconic Homeownership Solutions

Making Homeownership Possible

Credit, Affordability and Readiness Review

This assessment identifies individual and joint barriers and sets out a practical pathway toward future application readiness.

1 · Applicant and Application Details

Joint application

This is a joint application — include a second applicant

Applicant 1 — full name Applicant 2 — full name Relationship between applicants Assessment date Target property / purchase price (R) * Required — the assessment cannot run without a target purchase price. Estimated loan required (R) Auto-calculated: target price less deposit Own contribution / deposit (R) Guideline: 10% of price ≈

2 · Applicant 1

Financial details

Gross monthly income (R) Net monthly income (R) Monthly debt repayments (R) Groceries and household expenses (R) Other expenses (R)

2 · Applicant 2

Financial details

Gross monthly income (R) Net monthly income (R) Monthly debt repayments (R) Groceries and household expenses (R) Other expenses (R)

Ready to diagnoseScores, primary barriers and a target action plan are generated from the answers above.

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Debt-to-income & affordability findings — Applicant 1

Included when you send this assessment to Iconic

Debt-to-income (net)

Affordability findings

Debt commitments too high Income insufficient Variable income Bank statement conduct

Debt-to-income & affordability findings — Applicant 2

Included when you send this assessment to Iconic

Debt-to-income (net)

Affordability findings

Debt commitments too high Income insufficient Variable income Bank statement conduct

Applicant 1

Affordability

0/25

—

Applicant 2

Affordability

0/25

—

Affordability analysis

RTI 30% · DTI 40% · Surplus — lowest of the three

Total gross incomeR 0

Total debt repaymentsR 0

Groceries & other expensesR 0

Monthly surplusR 0

Estimated loan requiredR 0

Maximum affordable loanR 0

Primary barriers identified

0 flagged

Required rectification action plan

Target dates from assessment date

Action	Who	Target date	Notes

Send to IconicSubmit this assessment to the Iconic team for review and client advice.