Affordability Calculator

Applications will be considered for up to four applicants, however, the calculator can only consider two incomes. Please contact the team to discuss further.

Please enter the number of dependants who are financially reliant on on your customer(s).

Where there is more than one applicant please enter the age for the first applicant. The minimum age for mortgages is 18, there is no upper age limit at the end of the mortgage term, with the exception of interest only mortgages which is 75.

Please enter your customer’s gross annual income (this must be paid weekly, monthly or quarterly), including any car and or large town allowance and any income received from a second job.

Please enter your customer’s additional gross income from overtime, bonus or commission (must be paid weekly, monthly or quarterly).

Please enter your customer’s net monthly income (this must be paid weekly, monthly or quarterly), this should include any car and or large town allowance and any income received from a second job.

Please provide the total amount that your customer spends on the following items:Food and Drink; Utilities; Council Tax; Transport Costs; Communication; Childcare; Buildings and Contents Insurance.

Please provide the total amount that your customer spends on the following items: Household Goods and Services; Health; Education; Clothing; Recreation and Culture; Holidays, Restaurants & Hotels; Other Spending.

Please provide the total amount the customer pays per month on outstanding credit balances. This includes Loans; Hire Purchases; other Residential Mortgages, and Credit Cards. For Credit Cards we expect this to be at least 3% of the remaining balance.