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Affordability calculator

Important information - changes to product offering and policy requirements

We have restarted physical valuations and reinstated our product range up to 85% LTV. Some changes to policy requirements remain in place.

We’re continuing to monitor the situation closely and we’re working hard to support you and your customers during these difficult times.

For a full update of all changes please view our dedicated update page.

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 that in the following circumstances, our manual underwriting approach may provide a higher maximum lend than our calculator would display.

For cases which include any of these circumstances, we would recommend you call our new business enquiries team on 0800 085 2846 (Monday - Friday, 9am - 5.30pm).

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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