How much can I borrow?

Use our simple affordability calculator to get an idea of how much we may lend you.

The amount quoted is for guidance only and is not an offer of a mortgage. We'd need to go through a more detailed set of questions to give you a firm figure.

Affordability Calculator

Our affordability calculator is a quick and easy way of seeing how much you may be able to borrow.

To get a personalised quote and a formal mortgage offer you can call 0345 606 4488 or visit your local branch.

When you attend your mortgage appointment we will assess how much you can borrow by checking how much you can afford; this is tailored to your individual circumstances.  An assessment of how much you can afford to borrow is calculated through a combination of your income, regular commitments and household/lifestyle expenditure.

If you have any questions about using the calculator or the results, please check our frequently asked questions section below.

Need some help?

Talk to our mortgage advisers

0345 606 4488

8am - 8pm Monday to Friday 9am - 3pm Saturday(local rate charge but calls from mobiles may cost more)

Frequently asked questions

If you have any queries about the calculator or the results, hopefully the questions and answers below will help. If you still have some questions, just call us on 0345 606 4488 or call into your local branch.

Can I save the information I've entered into the calculator?

No. Unfortunately, the 'How much can I borrow' calculator cannot be saved. However, once you have completed it, you can print a copy.

Do the results count if I want an interest-only mortgage?

We only accept applications on a repayment basis only. Loans on an interest only or part interest only basis do not meet our lending criteria.

Are the amounts that show in the results guaranteed?

The calculator only gives an indication of what we may lend you. To get a formal offer of a mortgage, we'll have to go through a much more detailed set of questions. If you would like a formal offer, just call us on 0345 606 4488 or call into your local branch local branch.

I already have a Newcastle mortgage - does the calculator work for further advances?

The calculator is for new mortgages only. We're more than happy to provide a quote for a further advance - just call 0345 606 4488 or call into your local branch.

Your mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.