Borrowing calculator help

Monthly outgoings

  • Enter the monthly amount for all outgoings listed.
  • Other significant outgoings are outgoings that the applicant(s) could not or would not cease paying if they needed to reduce expenditure, including service charges, factor fees & ground rent.
  • Childcare Vouchers should be included in the monthly school/nursery/childcare fees field. State the amount declared on the applicant(s) payslip. Also include any additional amount the applicant(s) pay directly.
  • Monthly mortgage payments to include are those on properties that are about to be let, have been let for less than 6 months, or that are to remain outstanding.
  • Please ensure you enter the debts which are to be repaid in the appropriate section.
  • If the applicant regularly uses an overdraft facility, please enter the maximum amount that they have been overdrawn by in the last 3 months. If the applicant has more than one overdraft, please enter the total of all overdrafts.


  • General outgoings, food, fuel, council tax utilities
  • Any mortgage payments if the mortgage will be repaid before your new one begins
  • Any mortgage payments if you let the property, it has been let for more than 6 months and the rent you receive is at least 50% higher than the mortgage payment
  • The Equity Loan monthly repayment will be automatically calculated for Help To Buy applications