Mortgage affordability calculator

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 amount available is subject to our usual underwriting requirements and a successful credit search.

Please be aware that loans above 90% LTV may be subject to a lower recommended loan amount once a credit check has been carried out.

This calculator is not suitable for any additional borrowing. To discuss additional borrowing please get in touch with our Telephone Business Development Managers via your regional case management team (option 3).

Where does the customer live?

What type of application is it?

Is any Applicant Self Employed?

Is any part of the loan required on “Interest Only”?

Please enter details of your client's income

Applicant 1

Applicant 2

Basic annual income (before tax)

Annual regular / guaranteed overtime

Annual regular / guaranteed bonus

Annual regular / guaranteed commission

Other annual income

Total income

£ 0

Please enter details of your client's expenditure

Please only include details of commitments that will not be repaid on completion of this mortgage. Where a balance is shared by both applicants only enter once.

Applicant 1

Applicant 2

Monthly Mortgage commitments other than Buy To Lets to remain

Monthly loan/hire purchase commitments

Credit Cards/Overdraft (outstanding balance)

Additional monthly costs?

Total monthly commitments

£ 0

BTL Mortgaged Properties in the background.

Total BTL mortgaged properties in the background

Total mortgage balance

Total Rental Income per month

Please enter the details of your new mortgage request.

Number of adults party to mortgage

Dependants

Mortgage term

Years

LTV

If any of the loan is required on “Interest Only”, please enter the following:

Total loan amount

Interest Only amount

Any monthly cost for repayment strategy

* This is an indication of the amount that you might be able to borrow on your chosen 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 cases where (i) the applicant has less than 10 years until retirement and borrowing will continue into retirement. To discuss borrowing under these circumstances please get in touch with our Telephone Business Development Managers via your regional case management team (option 3).