We’ve made some enhancements to our affordability calculator! A summary of the key changes are:

• You can now use our affordability calculator for Joint Borrower Sole Proprietor arrangements, in the same way as a standard application, removing the need to complete a full DIP request
• We’ve reviewed the way the calculator views household costs and will now ask you to confirm the number of child dependents aged 0-13 and 14-18 separately
• We’ve improved the way we calculate affordability for houses with more than two adults, and those with slightly different household arrangements
• With no maximum loan size, those with higher incomes may be able to borrow more.

Try our new affordability calculator

Why choose us?

• No ‘computer says no’ underwriting – We’ll listen to your clients' stories and our human underwriters will make a common-sense assessment based on the merits on each individual case
• No credit scoring – We offer tailored credit checks, taking a holistic view of your clients' finances, not just assessing a predefined set of criteria
• No ‘one size fits all’ - Unlike many mainstream lenders, we’ll offer mortgages to a wide range of clients – through products such as Joint Borrower Sole Proprietor (including reverse JBSP) and Buy to Let (including expat & Limited Company). We also offer mortgages to those who are self-employed, as well as those approaching or in retirement
• Other acceptable income – We accept income from pension pots, investment portfolios, stocks, and shares ISAs, other 'unearned' or passive income streams such as rental income, state pension and any other annuities can be added to the assumed income.