Affordability Calculator

Mortgage Details

Please refer to our product guide

Include any secured and unsecured loans to remain after completion. Exclude loans that will expire in the next 3 months and loans relating to BTL properties.

The customer's basic expenditure is all mandatory outgoings on a monthly basis such as, utilities, phone bill, council tax, food or clothes shopping, TV License and travel to and from work.

The customer's regular expenditure is all outgoings that the customer must make on a monthly basis eg insurance, medical, dental cover, car service costs, MOT costs, equity loan, repayment vehicle etc.

The customer's expenditure that is neither a credit agreement, committed expenditure nor basic essential expenditure, such as school fees, child care, repayment vehicle.

Applicant #1

Employed Income

Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.

Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years’ accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.


Self-employed Sole Trader / Limited Liability Partnership Income

Please include basic salary and share of net profit.

Self-employed Limited Company Income

Please include basic salary.

Contractor Income

Total of all current day rates.

Other Income

Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.

Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.

Profit made from UK land and property. Where joint BTL, enter only the profit for the individual applicant.

Please include Income Payment Protection and investment income (fixed income products only).

Applicant #2

Employed Income

Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.

Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years’ accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.


Self-employed Sole Trader / Limited Liability Partnership Income

Please include basic salary and share of net profit.

Self-employed Limited Company Income

Please include basic salary.

Contractor Income

Total of all current day rates.

Other Income

Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.

Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.

Profit made from UK land and property. Where joint BTL, enter only the profit for the individual applicant.

Please include Income Payment Protection and investment income (fixed income products only).

Applicant #3

Employed Income

Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.

Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years’ accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.


Self-employed Sole Trader / Limited Liability Partnership Income

Please include basic salary and share of net profit.

Self-employed Limited Company Income

Please include basic salary.

Contractor Income

Total of all current day rates.

Other Income

Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.

Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.

Profit made from UK land and property. Where joint BTL, enter only the profit for the individual applicant.

Please include Income Payment Protection and investment income (fixed income products only).

Applicant #4

Employed Income

Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.

Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years’ accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.


Self-employed Sole Trader / Limited Liability Partnership Income

Please include basic salary and share of net profit.

Self-employed Limited Company Income

Please include basic salary.

Contractor Income

Total of all current day rates.

Other Income

Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.

Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.

Profit made from UK land and property. Where joint BTL, enter only the profit for the individual applicant.

Please include Income Payment Protection and investment income (fixed income products only).

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