Five-field qualifier: property value, deposit %, employment, credit, timeline. Reject: deposit under 5%, recent bankruptcy, timeline over 12 months unless buy-to-let.
Fields
1. Property value (pound bands) 2. Deposit available (%) 3. Employment type (employed/self-employed/contractor) 4. Any adverse credit in last 3 years? 5. Timeline (0-3m, 3-6m, 6-12m)
Thresholds
- Deposit under 5%: reject (or route to save-for-deposit nurture) - Recent bankruptcy: route to specialist adverse broker - Timeline over 12m: add to long-nurture sequence