I think Monzo should make mortgages easier to get and climb up the property ladder.
If you can pay each month-the amount quoted, then why do you need a credit score? You shouldn’t have to bring 3 years worth of proof if you are self-employed or take out debt to build credit report. The only thing you should be assessed by is how much you can pay for the Mortgage.
Change the terms of a traditional mortgage. Make it easier for new house owners. Thank You.