Who this review is for
This check is intended for a parent, guardian or adult student who has a draft application, a lender quotation, or a request for further financial information. It is most useful before signing, while there is still time to question assumptions.
We are independent reviewers. We do not lend money, arrange credit, improve credit scores or guarantee that a finance provider will approve an application.
What we examine
We reconcile declared earnings with the supporting period available, distinguish dependable income from once-off credits, and map existing instalments and household responsibilities. The proposed education repayment is then tested alongside registration costs, accommodation, transport, books and ordinary living expenses.
The fixed fee includes:
- an initial scope call of up to 15 minutes;
- review of one applicant household and one proposed finance arrangement;
- a written findings note showing assumptions, pressure points and missing evidence;
- a 45-minute consultation to discuss the findings; and
- one round of factual corrections within five business days.
It excludes tax advice, legal advice, credit broking, document certification, lender negotiation and completion of the application on your behalf.
How the review proceeds
- Fit check. You describe the application stage and deadline without sending sensitive records.
- Secure request. If the work is suitable, we issue an engagement note and a protected upload request.
- Reconciliation. A reviewer checks the supplied figures and records questions rather than silently filling gaps.
- Stress view. We consider ordinary and tighter months, including variable income or seasonal education costs.
- Findings conversation. You receive the written note before a private consultation.
Preparation and limits
Typical documents include the draft application or quotation, recent proof of income, a household budget, current credit commitments and an estimate of the full study-year costs. Do not email identity documents or bank records before we provide secure instructions.
The review normally takes three to five business days after all agreed records are received. Urgent work is accepted only when a reviewer can complete it properly. Our findings support your own decision; they are not a lender decision or a prediction of approval.