Affordability calculator

The maximum borrowing shown is for guidance only and may vary depending on your client's circumstances.

If you have any affordability questions regarding Interest-Only products including our RIO mortgages, contact our Mortgage Desk or your BDM.

This calculator is for illustrative purposes only. It is not a mortgage offer or guarantee of receiving a mortgage offer.

See how much your clients could borrow

Affordability is calculated using our stress rate for all products except for our fixed rate mortgages with a term of five or more years, and our Family Mortgages. 

If you would like to check affordability for a RIO mortgage for a single applicant this can be calculated using interest only and a ten-year term. For a joint RIO mortgage as this is more complex, please call us so that we can help with an affordability for you.

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Basic Information

For affordability purposes, please include both applicants and any additional dependent adults who will live in the property after the mortgage completes. For JBSP applications please include all applicants and any dependent adults.

For affordability purposes, if any of the adults in the property are currently pregnant, include another financial dependent above.

If you need to, use our product selector or compare all products

Annual Income

Applicant 1

Include 100% of your overtime or similar payments above

Applicant 2

Include 100% of your overtime or similar payments above

Applicant 3

Include 100% of your overtime or similar payments above

Applicant 4

Include 100% of your overtime or similar payments above

Household Expenditure

Include any preexisting & outstanding mortgage repayments above. Please also include estimated average monthly overdraft charges.

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