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Mortgage Affordability Calculator

Please enable JavaScript in your browser in order to use the Affordability calculator

Loan Details

Note: fields marked as are required to complete the affordability calculation.

Further information is available by clicking the information icons available on screen.

Loan Type

Required Loan Amount Known?

Yes
No

Loan Amount required

Please enter Loan Amount.

Property Value required

Please enter Property Value.

Deposit Amount required

Please enter Deposit Amount.

Term (Years) required

Please enter a term.(1-35)

Product Rate

Please enter a product rate.

This is the interest rate of a product you may be interested in.
Leave blank if you are unsure

Annual Income Details

You can use this calculator for Single or Joint applicants by clicking the appropriate button below. If there are more than two applicants, you should enter the details of the two applicants with the highest disposable income.

Further information is available by clicking the information icons available on screen.

Applicant 1

Sole or joint?

Sole Joint

Employment Status required

Please select employment type.

Annual Income before tax required

Income value should be greater than zero.

Please provide the average annual net earnings of the last two years.

Additional Income Details

Other Primary Annual Income (Taxable)

Enter a number (zero or greater).

Please include

Large City / Area Allowance
Car Allowance
Mortgage Subsidy
Housing Allowance
Shift Allowance (guaranteed)
Private Pension Income
Rental Income
Other Primary Taxable Income

Other Primary Annual Income (Non-Taxable)

Enter a number (zero or greater).

Please include

Dividends
Other Non-taxable Primary Income
Maintenance Payments (non-taxable)
State Pension / Pension Credit
Guaranteed for Life DWP (non-taxable)

Secondary Annual Income (Taxable)

Enter a number (zero or greater).

Please include

Regular Overtime
Other Taxable Secondary Income
Regular Bonus / Commission
Regular Shift Allowance (non-guaranteed)
2nd Job
Reserve Armed Forces

Secondary Annual Income (Non-Taxable)

Enter a number (zero or greater).

Please include

Working tax credit / Family tax credit
Other non-taxable Secondary Income

Applicant 2

Employment Status required

Please select employment type.

Annual Income before tax required

Income value should be greater than zero.

Please provide the average annual net earnings of the last two years.

Additional Income Details

Other Primary Annual Income (Taxable)

Enter a number (zero or greater).

Please include

Large City / Area Allowance
Car Allowance
Mortgage Subsidy
Housing Allowance
Shift Allowance (guaranteed)
Private Pension Income
Rental Income
Other Primary Taxable Income

Other Primary Annual Income (Non-Taxable)

Enter a number (zero or greater).

Please include

Dividends
Other Non-taxable Primary Income
Maintenance Payments (non-taxable)
State Pension / Pension Credit
Guaranteed for Life DWP (non-taxable)

Secondary Annual Income (Taxable)

Enter a number (zero or greater).

Please include

Regular Overtime
Other Taxable Secondary Income
Regular Bonus / Commission
Regular Shift Allowance (non-guaranteed)
2nd Job
Reserve Armed Forces

Secondary Annual Income (Non-Taxable)

Enter a number (zero or greater).

Please include

Working tax credit / Family tax credit
Other non-taxable Secondary Income

Monthly Deductions

Please provide details below of any monthly deductions taken from your salary.

Applicant 1

Childcare Vouchers

Enter a number (zero or greater).

Bike to Work Scheme

Enter a number (zero or greater).

Other

Enter a number (zero or greater).

Applicant 2

Childcare Vouchers

Enter a number (zero or greater).

Bike to Work Scheme

Enter a number (zero or greater).

Other

Enter a number (zero or greater).

Monthly Commitments

Please detail any commitments that will be in place after the start of the new mortgage. Exclude any commitments with less than six months to run.

Applicant 1

Hire Purchase

Enter a number (zero or greater).

Maintenance

Enter a number (zero or greater).

Loan(s)

Enter a number (zero or greater).

Second Mortgage

Enter a number (zero or greater).

Student Loan

Enter a number (zero or greater).

Mail Order/Store Card

Enter a number (zero or greater).

Credit card (Current Balance)

Enter a number (zero or greater).

Applicant 2

Hire Purchase

Enter a number (zero or greater).

Maintenance

Enter a number (zero or greater).

Loan(s)

Enter a number (zero or greater).

Second Mortgage

Enter a number (zero or greater).

Student Loan

Enter a number (zero or greater).

Mail Order/Store Card

Enter a number (zero or greater).

Credit card (Current Balance)

Enter a number (zero or greater).

Calculating......

How much you could borrow

Total Requested Borrowing

Deposit/Equity

Max Borrowing

The amount above is for guidance only and doesn’t constitute a formal offer of a mortgage.

Next steps

If we have indicated that we would lend you the amount you want, the next step is to make a formal application. This is straightforward to do – simply call 0845 600 4367 or visit your local branch or complete our online contact form

Please ensure that when you speak to one of our mortgage advisors that you have details of your monthly household expenditure such as council tax, home insurances and general living expenses available as these will be required to give you the most accurate assessment of your borrowing capacity.

If the amount we would lend is less than you wanted – don’t despair! The calculator only provides an indication and when we have reviewed your personal circumstances, we may be prepared to lend more. To find out, call our mortgage team on 0845 600 4367 or visit your local branch.