Affordability Calculator

Property Details
Mortgage details
Income Details
Expenditure

Property Details

Property

What region is the property in? *

Is the property a new build? *

Yes

Roughly, how much will the property cost? *

Do you have a deposit?

Yes

What type of mortgage do you need? *

Purchase

Remortgage

Mortgage details

Mortgage Details

How do you want to repay your mortgage? *

Repayment

Interest only

What type of buyer are you?

Home Mover

First Time Buyer

Please tell us the total term (length) you would like to take the mortgage over (in years) *

Applicant Details

Who is taking out the mortgage? *

Me and someone else

Do you have any financial dependants? *

Yes

Expenditure

What credit commitments do you have?

Total outstanding credit card balance *

Total monthly payments for all credit commitments e.g. loans etc *

What other monthly deductions do you have?

Monthly student loan contribution *

Monthly pensions contribution *

Total monthly life assurance and private health premiums *

What is your monthly expenditure towards the household

Monthly child maintenance costs *

Monthly travel costs *

Monthly ground rent and service charge *

Buildings and content insurance *

What is the total amount of all other monthly outgoings?

Any other monthly expenses *

Expenditure - Applicant 2

What credit commitments do you have?

Total outstanding credit card balance *

Total monthly payments for all credit commitments e.g. loans etc *

What other monthly deductions do you have?

Monthly student loan contribution *

Monthly pensions contribution *

Total monthly life assurance and private health premiums *

What is your monthly expenditure towards the household

Monthly child maintenance costs

Monthly travel costs *

Monthly ground rent and service charge

Buildings and content insurance *

What is the total amount of all other monthly outgoings?

Any other monthly expenses *

Your most likely offer

From what you've told us, you would need a mortgage of

After searching through our pool of mortgage deals we think your most likely offer will be:

Giving you a loan-to-value of %

Loan amount

My deposit

Your estimated mortgage repayments per month could be

This amount takes into account the size of the mortgage, interest rate from the lender, and the term of the contract - providing an indicative value as a result.

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Property value

Repayment term

My deposit

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Your highest offer

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Property Details
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Income Details
Expenditure

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How much can you afford to borrow?

Property Details

Property

Deposit

Mortgage details

Mortgage Details

Applicant Details

Applicant 1

Applicants 1 and 2

How many dependants rely on your income?

Income Details

Employment Status

Income Details - Applicant 1 - Contract Type

Applicant 1 - Contract Type

Income Details - Applicant 1 - Further details

How many years have you been trading?

How long have you been at your job?

Time remaining current job

Salary before tax

What was your net profit (after tax deductions) for the past 3 tax years

Additional income

Income Details - Applicant 1 - Director or Shareholder

What percentage do you own of the business?

What was your gross salary (before tax deductions) for the last three periods?

What was your gross dividends for the last three periods?

What was your net profit before dividends?

Income Details - Applicant 1 - Additional Income

How much additional income do you receive from work?

How much additional income do you receive through government benefits?

How much additional income do you receive from other services?

Income Details - Applicant 2 - Employment Status

Income Details - Applicant 2 - Contract Type

What type of contract do you have?

Income Details - Applicant 2 - Further details

What was your net profit (after tax deductions) for the past 3 tax years

Income Details - Applicant 2 - Director or Shareholder

What percentage do you own of the business?

What was your gross salary (before tax deductions) for the last three periods?

What was your gross dividends for the last three periods?

What was your net profit before dividends?

Income Details - Applicant 2 - Additional Income

How much additional income do you receive from work?

How much additional income do you receive through government benefits?

How much additional income do you receive from other services?

Expenditure

What credit commitments do you have?

What other monthly deductions do you have?

What is your monthly expenditure towards the household

What is the total amount of all other monthly outgoings?

Expenditure - Applicant 2

What credit commitments do you have?

What other monthly deductions do you have?

What is your monthly expenditure towards the household

What is the total amount of all other monthly outgoings?

Your most likely offer

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Why is my loan-to-value rate important?

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