For intermediaries only
For intermediaries only:Our processing team has a high volume of documents to process this week so we may be busier than usual. Please bear with us for a few days.

Affordability calculator


Find out how much your customers may be able to borrow using our affordability calculator.

Please note: If your applicant has already retired you will need to add all income into the ‘Retirement income’ section and leave the ‘Income for applicant’ section blank.

Property and loan

The property and loan section allows you to input information about your applicants lending requirements. See accompanying help text for further information about loan percentages for property values.

£
For purchases, use the purchase price. For remortgages use the estimated property value.

We will only lend on properties up to the value of £3.5m
£
The maximum we'll lend is £2m.

Our maximum LTVs by loan amount are:

< = £300,000 95%
£300,001 - £500,000 90%
£500,001 - £750,000 85%
£750,001 - £1,000,000 80%
£1,000,001 - £2,000,000 75%
Term of loan
Enter the requested loan term here. The minimum term we offer is 2 years (as long as that's not less than the initial product term) and our maximum is 40 years.

Enter the requested loan term here. The minimum term we offer is 2 years (as long as that's not less than the initial product term) and our maximum is 40 years.

Number of applicants
This is the number of adult dependents (aged 18 or over) that live in the property, but aren't named as applicants on this mortgage.
This is the number of children (aged 17 or under) who are dependent on any of the applicants.
Applicant 1 details

We’ll lend to customers between the ages of 18 and 75. If the mortgage term will run into your customer’s retirement and your customer is over 60 or within 10 years of their expected retirement age (whichever comes first), then we’ll need their retirement income too.

Tell us when your customer was born, using the format DD/MM/YYYY.
Tell us when your customer expects to retire. Please input using digits only.
Enter Applicant 1’s postcode for their current address.
Income for applicant 1Is this the applicant's main job?
Where the applicant has more than one job, please indicate if this is their main job.
Enter the employment type for each of the applicants. Where an applicant has more than 2 jobs, we'll only take the income from the first 2 into consideration (please see lending criteria for more details), so please be sure to include only those two and highlight which of those is their main employment. We'll take into consideration multiple "other" sources of income.

Employed - For contractors that meet certain criteria, we'll consider them to be employed. In those cases please enter their details under 'employed'. All others will be considered as contractors. For more info on these options, simply refer to our lending criteria.

Self employed - Please take a look at our lending criteria to make sure your applicant meets our requirements for self employment.

Contractor - Please take a look at our lending criteria to make sure your applicant meets our requirements to be classed as a contractor for affordablity purposes.
£
This is the applicant's annual income before any tax or deductions.
£
This is the annual amount the applicant(s) receives; either a contractual payment or where the applicant(s) can evidence an ongoing and regular payment track record through payslips / P60.
£
This is the annual amount the applicant(s) receives; a payment received on a regular, but not necessarily continual basis (e.g. 6 months out of 12, seasonal overtime).
£
This is the annual amount that the applicant receives.
Enter the date the applicant(s) started their job, using the format DDMMYYYY.
Committed monthly expenditure

Please break down into individual payments. If there is more than one applicant, please provide combined figures for both applicants.

Credit cards and overdrafts
£
Enter the total monthly credit card (use 5% of outstanding balance) and overdraft payments that will remain after completion for the applicant(s).
£
Enter the total current credit card and overdraft balances for the applicant(s). Please note that in cases with high levels of debt, there's an increased probability that manual assessment will be needed at DIP. For more info take a look at our lending criteria.
£
Enter the total credit card and overdraft balances that will be paid off by the applicant(s) at completion. Please note where applicants hold a high level of unsecured debt, the maximum loan amount may be lower than the amount generated by this calculation, or the application subject to additional manual review or even declined at DIP. For more info, take a look at our lending criteria.
£
Enter the existing monthly credit card and overdraft payment(s) for the applicant.
Personal loans and hire purchase
£
Enter the total monthly payments that will remain after completion for any personal loans or hire purchase agreements.
£
Enter the existing monthly loan and hire purchase payment(s) for the applicant.
Secured loans
£
Enter the total monthly payments that will remain after completion for any secured loan agreements.
CSA and child maintenance
£
Enter the total amount of maintenance that will be paid by the applicant(s) after completion via the CSA, a court order or private arrangement every month.
Student loans
£
Enter the total monthly payments that will remain after completion to the student loans company (either by way of payslip deduction or manual payment).
Other mortgages
£
If the customer will retain any other residential mortgages in addition to this one after completion, enter the total monthly payments for them.
Household expenditure

Please break down into individual payments. Where the mortgage is for a property purchase, the amounts should also reflect the anticipated costs at the new property.

£
This is the amount spent on maintenance and carrying out repairs.
£
If the applicant pays Council Tax over 10 months or annually, you'll need to divide the annual amount by 12 and use this figure.
£
If this is not paid monthly, simply divide the annual charge by 12 and use this figure.
£
If this is not paid monthly, simply divide the annual charge by 12 and use this figure.
£
If this is not paid monthly, simply divide the annual charge by 12 and use this figure.
Other expenditure

Please break down into individual payments.

£
This covers the amount spent on child care, including any daycare, babysitting or nanny costs.
£
This is the monthly amount paid by the applicant(s) for any private school term fees, summer camps, private tuition, school sports clubs or any other school related costs.
£
This is the monthly cost of all travel that the applicant(s) is totally reliant on. For example, the cost of getting to and from work.
£
This is the average monthly spend on food, washing, basic clothing, cleaning and medicine.
£
Enter the average combined monthly cost for both, including line rental.
£
For example, contents insurance, medical insurance, life insurance, travel insurance, device cover or any other committed insurance costs the applicant(s) has. If you've already covered off any of these costs, there's no need to enter them again here.
£
Let us know about any other expenditure the applicant's committed to. For example, pet care, hobbies, prescriptions for ongoing conditions, university course fees etc.

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