Mortgage affordability calculator

Find out how much we'll lend

This calculator will give you a broad indication of the amount we are able to lend. It's designed for guidance purposes only.

The actual loan amounts are subject to our usual underwriting requirements and a successful credit search.

We have a maximum LTI of 4.5x income. However, for loans of £500,000 to £750,000 and between 85-90% LTV, there is a maximum LTI of 3.5x income.

The recommended loan amount below may not reflect this restriction, please call us for guidance.

Your client income

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Your client expenditure

Please enter details of your client's expenditure

Total monthly commitments

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Your client's personal & mortgage details

Please enter details of your client's personal & mortgage details

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Recommended loan amount £0*

* This is an indication of the amount that you might be able to borrow on a capital repayment basis. The exact amount will depend on the results of a credit check, the proportion of the property's value you wish to borrow and your particular needs and circumstances. Please note: this calculator is not suitable for borrowing against buy-to-let properties or where borrowing will continue into retirement. To discuss borrowing under these circumstances please call 0345 307 3355 (option 3).

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