Affordability Calculator

This Affordability Calculator is based on ONS data and has been designed to assist you in understanding how much your client may be able to borrow. The calculator is exclusive to our owner occupier product range for repayment mortgages only. If you would like an affordability calculation for your client on an interest only basis, please contact your Business Development Manager or your Mortgage Desk on 01372 744155.

If you would like to calculate available borrowing for your Buy to Let client, please use our Buy to Let calculator.

Any advance requested will also be subject to our Lending Criteria and any product specific features which may apply. This calculator should not be used as a Decision in Principle and does not replace our Owner Occupier Mortgage Eligibility Checker.

Using the calculator

The maximum borrowing shown is for guidance only and may vary depending on your client's circumstances. For example, where an existing owner occupier mortgage balance will remain outstanding after completion of our mortgage. Please contact our dedicated Mortgage Desk to discuss this and get an updated affordability figure.

For overtime, we can accept 50% of non-guaranteed and 100% of guaranteed amounts.

We accept Guarantor Mortgages. For more information on this, please contact the Mortgage Desk or submit an Eligibility Form.

We do accept applications for up to four applicants. In order to calculate the affordability, please add the income / expenditure together or alternatively contact our Mortgage Desk.

Need more information?

If you have a specific case in mind and would like to discuss the options available to your client, please call us on 01372 744155. We can also arrange for your Business Development Manager to contact you.

Alternatively, you can email us at and one of our team will get back to you.    

Mortgage Affordability Calculator - Basic Information

* All fields marked with an asterisk are mandatory, where relevant the value can be entered as '0'.
(1) Only complete this field if the mortgage product applied for has a fixed rate of 5 years or more.
(2) If applicant is pregnant this should be registered as a dependent for affordability purposes.

We use and retain details about you and your clients to check for eligibility, provide KFIs, calculate affordability, for research or analysis, to keep you updated with our products and services, and to respond to your enquiries. To find out more, you can read our privacy policy