• Additional Loan Affordability Calculator
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  • For use by authorised intermediaries only

Additional Loan Affordability Calculator - for existing customers only

This calculator should not be used for new customers, portability or transfers of equity.

The Affordability Calculator will give you a quick estimate of how much extra your client can borrow. Please click on Help where these appear for advice on how to complete the section. Affordability can only be assessed on submission of a full application for this type of lending.

Please do not include any non-sterling income below.

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Enter details of your client's income
Applicant 1
Applicant 2

Employed/Retired clients Help

   If any of the applicant's salary is paid in Childcare Vouchers, you need to enter the annual amount here. Please also ensure that the full salary (including any Childcare Vouchers) is entered in the annual income field above.  Help

Self employed clients - Sole traders and Partnerships only Help

Please state the client's share of annual net profit (£)


Salaried / Non-salaried directors

Please state the client's annual net dividends (£)


Other Income Help

   Please only include Child Benefit for children under 13 years of age. Help

Enter details of your client's outgoings / expenditure

Outgoings to remain outstanding after the mortgage completes. Help

Outgoings to be repaid when the mortgage completes.

Credit Cards

Overdrafts


Enter details of your client's additional loan requirements


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  ?HelpHelp

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   We define financially independent adults as those who are in employment and are financially fully self-sufficient. Help

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 Years  Months 

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   With a repayment mortgage the monthly payment is split - part of it goes towards paying the interest and part towards paying off the capital. The payments are worked out so that all of the capital will have been repaid as the mortgage term comes to an end. Help