Mortgage Affordability Calculator
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 enter full income details
Applicant 1
Applicant 2
Employed Gross Annual Income
Self Employed
Salary
Dividends
Sole Trader Net Profit
Total Main Income (Gross)
Other annual income
Total Other Income
Important: In order for the calculation to work correctly please input the total Net income for each applicant below
Total Net Monthly Income
Please enter all monthly expenditure 
Please see above ? for our minimum monthly expenditure figures
We require actual figures to assess affordability and will use the below minimum figures unless the actual amount is higher:
- Electricity - £100
- Gas - £100
- Water- £35
- Phone/internet/sky - £50
- Work/Travel - £100 (Per Person)
- Food and Clothing (Single) - £200 (+£50 Per Child)
- Miscellaneous - £100
- Food and Clothing (Couple) - £300 (+£50 Per Child)
- Leisure/Entertainment (Single) - £100 (+£50 Per Child)
- Leisure/Entertainment (Couple) - £150 (+£25 Per Child)
Council Tax
Electric
Gas
Water
Phone/Internet/Sky
Home Insurance
Car Insurance
Work Travel
Miscellaneous
Food/Clothing
Life Insurance
Childcare
Leisure/Enterntainment
Mobile
School/Student loan
Loans/HP
Maintancence
Other Mortgage
Lease
Credit/store card
Total Monthly Outgoings
Anything you are unsure of regarding other income or expenditure then please contact us, as we may be able to include/exclude.
Mortgage Amount Calculator
Please enter the mortgage term required
Potential mortgages available
*This is an indicative amount you might be able to borrow based on the information input. The exact amount will depend on a full review of the information and documentation provided to support income and expenditure.