Upload a loan, an insurance policy, a lease or an investment contract. Lexispect reads it cover to cover, works out what it will really cost you over ten years, flags the clauses that can turn against you, and hands you a report you can put on the table. Every point is quoted, word for word.
Free. One email when we open, and nothing in between.
Institutions and asset managers covered by the comparison tool
Trade marks shown to identify the offers being compared. No commercial relationship exists with these institutions.
The blind spot
These figures don’t measure Lexispect. They measure the gap between what people think they signed and what they actually signed.
If you’re signing for yourself
If you advise for a living
What you get
Every analysis produces a structured document, tied clause by clause to the original text. Three pages settle it.
The report, for real
These are not mock-ups. They are three analyses produced by Lexispect, exactly as they come out: score, projected real cost, clauses at risk, exit terms.
Mortgage life cover
Mortgage
Property fund
Real analyses produced by Lexispect on offers available on the market. Amounts depend on the contract analysed and say nothing about any other. Institutions appearing on the covers are named to identify the offer studied: no commercial relationship exists with them.
Anatomy of the deliverable
A poor contract is hard to argue out loud. These three pages make it undeniable at a glance: where the contract falls down, what can be used against you, and the gap between the price advertised and the price paid.
Page 3 — toxicity profile
Five dimensions scored separately, laid over the median for contracts in the same family. A contract that is both expensive and restrictive cannot be read off a single number: it is the shape of the polygon that tells you.
Page 6 — impact × likelihood matrix
Each clause at risk is placed by how serious its consequence is and how likely the case is to arise. The top-right corner isn’t a colour chosen for effect: it is what is coming for you first.
Page 5 — cumulative cost
Borrower aged 42, group policy priced by age band. They are quoted €680 a year. At 46, then at 51, the premium moves up a band — no amendment, no letter, nothing having happened. The clause was in the contract, in the pricing schedule.
Pages taken from the mortgage life cover report shown above. The score of 5.6/10, the total cost of €8,894 over ten years and the risk count are read off that report. The breakdown by dimension, the position in the matrix and the year-by-year split are a reconstruction meant to show the shape of the charts: they hold for no other contract.
For individuals
The figures below are public and verifiable. They measure the gap between what people pay and what they could pay — not a result promised by Lexispect.
Since the Lemoine Act, a borrower may switch cover at any time. In practice banks take 22 days to reply against a legal limit of 10, and 36% of applications are refused first time round. Four banks were sanctioned on those grounds in 2025.
Knowing exactly what your contract says, and what the competing offer says, is what turns a right on paper into money in your pocket.
Sources: UTWIN 2025 study; DGCCRF 2025 sanctions (€897,518 in total, four institutions).
The comparison tool
A comparison tool that ranks by headline rate is comparing labels. This one rebuilds the cost over the whole holding period — entry fees, running fees, tax and exit terms included — and ranks on that.
The same set of offers, ranked first on the advertised rate, then on what it actually costs.
A preview of the ranking method. The five rows are illustrative values: they show how the ranking flips, they relate to no particular offer.
What’s covered
The same principle applies to insurance, credit and investments. What changes from one market to the next is which cost items have to be reconstructed.
Illustrative values, shown to make clear which cost items the comparison tool reconstructs. They relate to no particular offer.
Free tools
Understanding what you sign shouldn’t cost money. These three tools stay free and account-free, at launch as much as today.
What your contributions become once fees are taken out. It’s the tool running just below.
Available hereInsurance, credit and investments ranked on real cost — fees, tax and exit terms included.
Open nowSwitching mortgage life cover at any time: the deadlines, the paperwork, and the refusals that don’t hold up.
At launchSet the sliders to project your savings.
Monthly compounding, contributions at period end, fees deducted from the annual return before monthly conversion. Constant-return projection: markets do not rise in a straight line and past performance is no guide to future performance. Result shown before tax. Lexispect provides no investment advice.
Under the bonnet
Your contract is analysed by the most capable model available at that moment. If it doesn’t answer — unavailable, timed out, output off-format — the request falls through to the next one on its own. There is nothing for you to resubmit, and you see none of it.
The width of each band shows the fallback order, not measured volumes. The Claude and Gemini trade marks belong to their respective owners and are named to identify the models used; no partnership exists with Anthropic or Google.
Brokers, wealth managers, advisory firms
A contract audit issued under your own name is billable work — and a case for switching that the client grasps without being talked into it. It is established practice elsewhere: in property, PriceHubble supplies banks and agency networks with valuation reports under their own brand, and it is the report, not the verbal opinion, that wins the mandate. The same principle applies to contract analysis.
PriceHubble is named as a market reference point. No commercial relationship exists between Lexispect and that company.
Layout preview. Values are illustrative.
Your workspace
Analyses build up, scores line up, overcharges add up. A portfolio of contracts deserves the same tracking as a portfolio of assets.
The PDF under your own brand Your logo, colours and regulatory details, set document by document.
The money on the table Total overcharges across every contract you track.
Preview of the signed-in workspace. The documents, scores and amounts shown are illustrative values: they show the layout, they relate to no real client file.
Why not just use something else
You can. You’ll get a summary. A summary is not an audit: it prices nothing, quotes nothing you can check, and can’t be handed to a client under your name.
| What you need it to do | General assistant | Sector tool / CRM | Lexispect |
|---|---|---|---|
| Read 40 to 80 pages without skipping | Depends on length | Not designed for it | The whole document |
| Quote the clause word for word | Often reworded | Not designed for it | Verbatim, with a reference |
| Price the real cost over the term | No | Partial | Projected year by year |
| Score the contract on stable criteria | Varies run to run | Not designed for it | Fixed grid per family |
| Place risks by impact and likelihood | No | Not designed for it | Reasoned matrix |
| Produce a PDF under your brand | No | Generic template | Logo, colours, details |
| Say how to exit the contract | Generalities | Not designed for it | Notice, windows, fees |
A comparison of functional scope, based on what each family of tools is designed to do. No brand is targeted or measured.
Your documents
You’re handing us a document containing your figures, your commitments and sometimes your personal circumstances. That’s the first question to ask, not the last.
We open in waves, starting with the people who told us what they were waiting for. Signing up now puts you at the front — and gives you a say in what we build first.
