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Ladder One is a trading style of Havlo Ltd, registered in England and Wales. Our home-buying and mortgage-readiness tools are for educational and informational purposes only and do not constitute mortgage or financial advice. Where you choose to speak with an adviser, regulated mortgage advice is provided by an appropriately authorised mortgage adviser regulated by the Financial Conduct Authority (FCA). Our advisers do not recommend or select a broker or lender for you. When mortgage-ready, you are free to approach and apply directly to any bank, building society, broker or lender of your choice. Mortgage eligibility and approval remain subject to individual circumstances and lender criteria.