Borrowing calculator help

Monthly outgoings

  • Enter the monthly amount for all outgoings listed.
  • Other significant outgoings are outgoings that the borrower(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 borrower(s) payslip. Also include any additional amount the borrower(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 amount they were overdrawn at the end of the latest month. If the borrower 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
  • The existing monthly mortgage payment to Accord