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Try our mortgage affordability calculator

Our mortgage affordability calculator will work out an estimate of how much you could borrow from us. It will take around ten minutes to complete and you’ll need the following information:

  • Your income details (regular salary/wages, bonuses, overtime, commission and allowances).
  • Any credit commitments (loans/student loans, pension payments, credit/store cards, school fees, child maintenance, child care).


Please note this is for guidance purposes only. The calculator is not an offer to lend and is for new purchase and re-mortgage applications only.
 

Are you an existing customer wanting to make a change to your mortgage, such as borrowing more? Give us a call on 0800 121 8899.

1 of {{calcVm.numberOfSteps}} Your mortgage needs Edit
Enter a value between 1 and 20 for Number of adults including the applicant(s) who will be resident in the property.
Enter a value between 0 and 20 for Number of financial dependants living at home (children/elderly relatives).
The value entered for Location of property (enter a minimum of the first two characters of the postcode) is not valid.
Enter a value between £1 and £9,999,999 for Expected property purchase price or valuation.
Enter a value between £1 and £9,999,999 for Expected property purchase price or valuation.
The Will the applicant(s) benefit from a reduction in Council Tax for the property? field is required.
Please select a loan type.
Please select a term.
2 of {{calcVm.numberOfSteps}} Main Applicant Details Edit

Main applicant

Personal details

{{mortgagesMaxAgeAtEndOfTermYears}}

Enter a value between 1 and 31 for Date of birth - day.
Enter a value between 1 and 12 for Date of birth - month.
{{calcVm.dobRangeError}} {{calcVm.maxAgeAtTermError}}
Please select a gender.

Income from your employment

Let us know up to three of your current employments

Your main employment

The Employment type field is required.
Enter a value between £0 and £9,999,999 for Gross annual income.
Enter a value between £0 and £9,999,999 for Gross annualised bonus.
Enter a value between £0 and £9,999,999 for Total regular gross annual overtime, shift allowance or commission.
Enter a value between £0 and £9,999,999 for Gross dividend income last year.
Enter a value between £0 and £9,999,999 for Gross dividend income previous year.
Enter a value between £0 and £9,999,999 for Gross annual share of the net income from the partnership.
Enter a value between £0 and £9,999,999 for Gross share of net profits for the most recent accounting period.
Enter a value between £0 and £9,999,999 for The applicant's gross share of net profits (before dividends) for the most recent accounting period plus salary.
Enter a value between 20 and 99 for Planned retirement age.
Enter a value between £0 and £9,999,999 for Anticipated gross annual retirement income.
Please select if you have another job.

Your second employment

The Employment type field is required.
Enter a value between £0 and £9,999,999 for Gross annual income.
Enter a value between £0 and £9,999,999 for Gross annualised bonus.
Enter a value between £0 and £9,999,999 for Total regular gross annual overtime, shift allowance or commission.
Enter a value between £0 and £9,999,999 for Gross dividend income last year.
Enter a value between £0 and £9,999,999 for Gross dividend income previous year.
Enter a value between £0 and £9,999,999 for Gross annual share of the net income from the partnership.
Enter a value between £0 and £9,999,999 for Gross share of net profits for the most recent accounting period.
Enter a value between £0 and £9,999,999 for The applicant's gross share of net profits (before dividends) for the most recent accounting period plus salary.
Enter a value between 20 and 99 for Planned retirement age.
Enter a value between £0 and £9,999,999 for Anticipated gross annual retirement income.
Please select if you have another job.

Your third employment

The Employment type field is required.
Enter a value between £0 and £9,999,999 for Gross annual income.
Enter a value between £0 and £9,999,999 for Gross annualised bonus.
Enter a value between £0 and £9,999,999 for Total regular gross annual overtime, shift allowance or commission.
Enter a value between £0 and £9,999,999 for Gross dividend income last year.
Enter a value between £0 and £9,999,999 for Gross dividend income previous year.
Enter a value between £0 and £9,999,999 for Gross annual share of the net income from the partnership.
Enter a value between £0 and £9,999,999 for Gross share of net profits for the most recent accounting period.
Enter a value between £0 and £9,999,999 for The applicant's gross share of net profits (before dividends) for the most recent accounting period plus salary.
Enter a value between 20 and 99 for Planned retirement age.
Enter a value between £0 and £9,999,999 for Anticipated gross annual retirement income.

Income from other sources including retirement

Please select if you have income from other sources.
Enter a value between £0 and £9,999,999 for Private pension.
Enter a value between £0 and £9,999,999 for State / company / occupational pension.
Enter a value between £0 and £9,999,999 for Drawdown on pension fund.
Enter a value between £0 and £9,999,999 for Interest from investments.
Enter a value between £0 and £9,999,999 for Dividend income
Enter a value between £0 and £9,999,999 for Company owner income.
Enter a value between £0 and £9,999,999 for Rental income.
Enter a value between £0 and £9,999,999 for Widows pension.
Enter a value between £0 and £9,999,999 for Child maintenance.
3 of {{calcVm.numberOfSteps}} Second Applicant Details Edit

Second applicant

Personal details

{{mortgagesMaxAgeAtEndOfTermYears}}

Enter a value between 1 and 31 for Date of birth - day.
Enter a value between 1 and 12 for Date of birth - month.
{{calcVm.dobRangeError}} {{calcVm.maxAgeAtTermError}}
Please select a gender.

Income from your employment

Let us know up to three of your current employments

Your main employment

The Employment type field is required.
Enter a value between £0 and £9,999,999 for Gross annual income.
Enter a value between £0 and £9,999,999 for Gross annualised bonus.
Enter a value between £0 and £9,999,999 for Total regular gross annual overtime, shift allowance or commission.
Enter a value between £0 and £9,999,999 for Gross dividend income last year.
Enter a value between £0 and £9,999,999 for Gross dividend income previous year.
Enter a value between £0 and £9,999,999 for Gross annual share of the net income from the partnership.
Enter a value between £0 and £9,999,999 for Gross share of net profits for the most recent accounting period.
Enter a value between £0 and £9,999,999 for The applicant's gross share of net profits (before dividends) for the most recent accounting period plus salary.
Enter a value between 20 and 99 for Planned retirement age.
Enter a value between £0 and £9,999,999 for Anticipated gross annual retirement income.
Please select if you have another job.

Your second employment

The Employment type field is required.
Enter a value between £0 and £9,999,999 for Gross annual income.
Enter a value between £0 and £9,999,999 for Gross annualised bonus.
Enter a value between £0 and £9,999,999 for Total regular gross annual overtime, shift allowance or commission.
Enter a value between £0 and £9,999,999 for Gross dividend income last year.
Enter a value between £0 and £9,999,999 for Gross dividend income previous year.
Enter a value between £0 and £9,999,999 for Gross annual share of the net income from the partnership.
Enter a value between £0 and £9,999,999 for Gross share of net profits for the most recent accounting period.
Enter a value between £0 and £9,999,999 for The applicant's gross share of net profits (before dividends) for the most recent accounting period plus salary.
Enter a value between 20 and 99 for Planned retirement age.
Enter a value between £0 and £9,999,999 for Anticipated gross annual retirement income.
Please select if you have another job.

Your third employment

The Employment type field is required.
Enter a value between £0 and £9,999,999 for Gross annual income.
Enter a value between £0 and £9,999,999 for Gross annualised bonus.
Enter a value between £0 and £9,999,999 for Total regular gross annual overtime, shift allowance or commission.
Enter a value between £0 and £9,999,999 for Gross dividend income last year.
Enter a value between £0 and £9,999,999 for Gross dividend income previous year.
Enter a value between £0 and £9,999,999 for Gross annual share of the net income from the partnership.
Enter a value between £0 and £9,999,999 for Gross share of net profits for the most recent accounting period.
Enter a value between £0 and £9,999,999 for The applicant's gross share of net profits (before dividends) for the most recent accounting period plus salary.
Enter a value between 20 and 99 for Planned retirement age.
Enter a value between £0 and £9,999,999 for Anticipated gross annual retirement income.

Income from other sources including retirement

Please select if you have income from other sources.
Enter a value between £0 and £9,999,999 for Private pension.
Enter a value between £0 and £9,999,999 for State / company / occupational pension.
Enter a value between £0 and £9,999,999 for Drawdown on pension fund.
Enter a value between £0 and £9,999,999 for Interest from investments.
Enter a value between £0 and £9,999,999 for Dividend income
Enter a value between £0 and £9,999,999 for Company owner income.
Enter a value between £0 and £9,999,999 for Rental income.
Enter a value between £0 and £9,999,999 for Widows pension.
Enter a value between £0 and £9,999,999 for Child maintenance.
{{calcVm.singleApplicant() ? 3 : 4}} of {{calcVm.numberOfSteps}} Main Applicant Expenditure Edit

General outgoings

What do you spend on the following commitments per month?

Enter a value between £0 and £9,999,999 for School fees.
Enter a value between £0 and £9,999,999 for Nursery/Childminding fees.
Enter a value between £0 and £9,999,999 for Continuing child maintenance.
Enter a value between £0 and £9,999,999 for Life insurance.
Enter a value between £0 and £9,999,999 for Building/Contents insurance.
Enter a value between £0 and £9,999,999 for Ground rent/Service charge.
Enter a value between £0 and £9,999,999 for Monthly pension contributions.

Credit related outgoings

What do you spend on the following credit related outgoings?

Enter a value between £0 and £9,999,999 for Unsecured loan.
Enter a value between £0 and £9,999,999 for Personal HP agreement.
Enter a value between £0 and £9,999,999 for Credit agreements.
Enter a value between £0 and £9,999,999 for Secured Loans.
Enter a value between £0 and £9,999,999 for Other mortgage payments.
Enter a value between £0 and £9,999,999 for Student loans.
Enter a value between £0 and £9,999,999 for Please state the total credit card balances that will not be cleared upon completion of this mortgage.
5 of {{calcVm.numberOfSteps}} Second Applicant Expenditure Edit

General outgoings

What do you spend on the following commitments per month?

Enter a value between £0 and £9,999,999 for School fees.
Enter a value between £0 and £9,999,999 for Nursery/Childminding fees.
Enter a value between £0 and £9,999,999 for Continuing child maintenance.
Enter a value between £0 and £9,999,999 for Life insurance.
Enter a value between £0 and £9,999,999 for Building/Contents insurance.
Enter a value between £0 and £9,999,999 for Ground rent/Service charge.
Enter a value between £0 and £9,999,999 for Monthly pension contributions.

Credit related outgoings

What do you spend on the following credit related outgoings?

Enter a value between £0 and £9,999,999 for Unsecured loan.
Enter a value between £0 and £9,999,999 for Personal HP agreement.
Enter a value between £0 and £9,999,999 for Credit agreements.
Enter a value between £0 and £9,999,999 for Secured Loans.
Enter a value between £0 and £9,999,999 for Other mortgage payments.
Enter a value between £0 and £9,999,999 for Student loans.
Enter a value between £0 and £9,999,999 for Please state the total credit card balances that will not be cleared upon completion of this mortgage.
6 of {{calcVm.numberOfSteps}} Joint Expenditure Edit

General outgoings

What do you spend on the following commitments per month?

Enter a value between £0 and £9,999,999 for School fees.
Enter a value between £0 and £9,999,999 for Nursery/Childminding fees.
Enter a value between £0 and £9,999,999 for Continuing child maintenance.
Enter a value between £0 and £9,999,999 for Life insurance.
Enter a value between £0 and £9,999,999 for Building/Contents insurance.
Enter a value between £0 and £9,999,999 for Ground rent/Service charge.
Enter a value between £0 and £9,999,999 for Monthly pension contributions.

Credit related outgoings

What do you spend on the following credit related outgoings?

Enter a value between £0 and £9,999,999 for Unsecured loan.
Enter a value between £0 and £9,999,999 for Personal HP agreement.
Enter a value between £0 and £9,999,999 for Credit agreements.
Enter a value between £0 and £9,999,999 for Secured Loans.
Enter a value between £0 and £9,999,999 for Other mortgage payments.
Enter a value between £0 and £9,999,999 for Student loans.
Enter a value between £0 and £9,999,999 for Please state the total credit card balances that will not be cleared upon completion of this mortgage.
{{calcVm.numberOfSteps}} of {{calcVm.numberOfSteps}} Results

Next steps

Call us on 0800 121 8899 to discuss your options

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