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For Intermediaries only. Not for public use.

Affordability calculator

Please enter the details requested below for an indication of the likely affordability of the loan required, based on both our loan to income (LTI) ratios and the requirement for a level of disposable income after the application of a stressed monthly payment.

The calculator uses modelled data to assess normal household expenditure and is unsuitable in the following circumstances:

  • More than two applicants
  • Joint applications where more than one residential household exists
  • Unusual patterns of household expenditure which are unlikely to correspond to modelled data (ONS)
  • Where any element of the loan is for debt consolidation
  • If any applicant has an unsatisfactory credit history
  • Lending into retirement
  • If the mortgage is a RIO (Retirement Interest Only) mortgage
  • Split term loans

Please contact us to check affordability in these instances.

Information/hint buttons are available if you require assistance with completing the calculator, or you can refer to our Lending criteria for a full overview of our lending policy.  Please check the individual product guide to ensure that the loan amount does not exceed the maximum available for the product selected.

If you have any queries about our lending criteria please click on the link on this page to request a call back from a member of our experienced Business Development team. Calls are normally returned within a matter of minutes.

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must not exceed the "Amount of mortgage required" value

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First Applicant - Income

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Second Applicant - Income

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Total Expenditure (for all applicants)

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Please now login or register to carry out a basic decision in principle (DIP), obtain a mortgage illustration and submit an application.

PLEASE NOTE THAT THIS CALCULATOR IS FOR ILLUSTRATION PURPOSES ONLY AND ANY APPLICATION WILL BE SUBJECT TO A FULL ASSESSMENT USING VERIFIED INCOME AND EXPENDITURE INFORMATION.