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Affordability calculator

Use our mortgage affordability calculator to understand how much your client may be able to borrow for residential or buy to let cases.

The process should take around 5-10 minutes to complete. We’ll ask about your customer, their income, their expenditure and any other property details.

You will receive an estimated maximum lending amount for your customer based on the details provided.

We continue to review all full applications on a case by case basis, carrying out a full underwriting assessment where appropriate, and ensuring your client is treated as an individual.

Visit our lending criteria page for full details of our requirements.

Please note, if your customers will have two or more main residences at the end of this application, the calculator may not take all costs into account.

In the following circumstances, our manual underwriting approach may provide a higher maximum lend than our calculator would display:

For cases where any of the above applies, speak to your Clydesdale Bank and Virgin Money BDM.

Discover how much your client may be able to borrow

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The amount provided is only an estimation of affordability and not a commitment to lend. Any mortgage application is subject to a full credit assessment, based on credit bureau data, lending criteria, loan to value restrictions and a full assessment of affordability. The maximum borrowing amount is inclusive of any fees being added to the loan.

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