Kit
The fix ends in March. This is the Kit that made sure you knew last October — and that your credit standing was ready.
The fix ends in March — this is the Kit that made sure you knew last October. Every mortgage and loan you carry on one board: what you owe, what each one truly costs, when the fixed rate runs out, and where the balance is heading at your current payments. Beside it sits your credit standing — the score your lender will read before any remortgage — tracked month by month from the number your credit app already shows you, with the things that move it (hard searches, how much of your credit you are using, anything missed) kept on the record. A weekly rate watch stays silent until a fix-end window opens or the gap between your rate and the market turns real. When it is time to decide, the remortgage brief lays out the case both ways with sourced rates and the questions worth asking a broker — never a recommendation. Nothing here can touch an account.
1 agent, 2 routines, 1 dashboard, 2 records, 3 skills. Installing ends with Meet Bursar — a short conversation sets it up, and everything can be retimed or paused after.
good · up 9 points since June
| Home mortgage | 4.1% fixed | fix ends Mar 2027 |
| Car finance | 6.9% fixed | ends Nov 2028 |
| Student loan | variable | ends 2041 |
Credit used
31% of your limitsHard searches, last 12 months
1Missed payments on file
noneThe crew
Bursar
Looks after the whole Bills setup on your behalf.
Punctual, precise, unflappable.
Shared with the Bills & Utilities Kit — one keeper, both kits.
What else it installs
Every mortgage and loan you carry — balance, rate, and when the fix ends.
Your credit score month by month, with what moved it.
The renewal letter, the new balance, the rate you just fixed — onto the register from a sentence.
Say the score your app shows — or add the full report — and it goes on the record with what moved it.
When the fix is ending: the case both ways, sourced rates, and the questions worth asking a broker.
The fix-end countdown, every loan, where the balance is heading — and your credit standing beside it.
Mondays — checks the market against your loans, redraws the board, and speaks only when a window opens.
Runs mondays · 7:30am
Monthly — asks once for this month's score, notes what moved, and keeps the credit panels current.
Runs the 3rd of each month · 9am
The mechanics of this kit, plainly — what runs and when, where the data lands, and what you look at.
Data/Loan Register in your vault — yours to open, search, and edit like any other file.Data/Credit Reports in your vault — yours to open, search, and edit like any other file.The wiring, in one breath: Loan capture writes to Loan register · Loan register shown by What you owe · What you owe kept fresh by Rate watch · Rate watch grounds Remortgage brief · Remortgage brief reads Credit reports · Credit reports kept current by Credit check-in · Credit check-in answered through Credit report capture.
Nothing here is fixed. The pieces are ordinary agents, routines, records and dashboards, so anything you know about shaping those applies. Retire whatever earns nothing.
Say any of these in chat, or edit them on the kit’s page in the app.
Installing starts a short setup conversation — not a form. Answer roughly, correct later.
Watch the first pass, then tell it what you would have done differently — that correction teaches it more than any setup could.
Learning, preferences and run costs work the same in every kit — so they are covered once, in the Kits guide.
Install it, run it once against something that already happened, and see whether what comes back sounds like you.
Try it freeEverything it installs can be retimed, paused, or removed.