How much could you borrow?

Our calculation gives an indication of how much we may be able to lend. Simply fill in all the applicable fields that cover income and expenditure.

The more detail provided, the more accurate our calculation of how much we may be able to lend will be when a Decision in Principle is applied for.

Mortgage Details

Income

Expenditure

Results

Mortgage Details

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Mortgage Details

Single or joint mortgage?

Maximum LTV:

Applicant one's age

Applicant two's age

Number of dependent children

Number of dependent adults

Deposit amount (if known)

Required mortgage amount (if known)

Estimated property value (if known)

Property postcode - first two characters only (if known)

Mortgage term (in years)

Income

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Income

Applicant One

Applicant Two

Applicant 1

Gross annual income

Applicant 2

Gross annual income

Applicant 1

Any additional income (if applicable)

Applicant 2

Any additional income (if applicable)

Applicant 1

Dividend income (if applicable)

Applicant 2

Dividend income (if applicable)

Applicant 1

Other non-taxable income (if applicable)

Applicant 2

Other non-taxable income (if applicable)

Applicant 1

Existing buy-to-let rental income (if applicable)

Applicant 2

Existing buy-to-let rental income (if applicable)

Expenditure

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Expenditure

Please fill in the following section with information regarding expenditure. Filling in as many fields as possible will produce a more accurate result. For any fields that are not applicable, or for information you are unable to obtain, please enter £0

Applicant One

Applicant Two

Applicant 1

Existing buy-to-let outgoings (if applicable)

Applicant 2

Existing buy-to-let outgoings (if applicable)

Applicant 1

Total monthly loan payments (excluding student loans) (if applicable)

Applicant 2

Total monthly loan payments (excluding student loans) (if applicable)

Applicant 1

Outstanding credit card balances (if applicable)

Applicant 2

Outstanding credit card balances (if applicable)

Applicant 1

Monthly essential expenditure (if applicable)

Applicant 2

Monthly essential expenditure (if applicable)

Applicant 1

TV package (if applicable)

Applicant 2

TV package (if applicable)

Applicant 1

Essential travel (if applicable)

Applicant 2

Essential travel (if applicable)

Applicant 1

Non-essential travel (if applicable)

Applicant 2

Non-essential travel (if applicable)

Applicant 1

Childcare costs (if applicable)

Applicant 2

Childcare costs (if applicable)

Applicant 1

Other insurance (if applicable)

Applicant 2

Other insurance (if applicable)

Applicant 1

Pensions and assurances (if applicable)

Applicant 2

Pensions and assurances (if applicable)

Applicant 1

Other expenditure (if applicable)

Applicant 1

Other expenditure (if applicable)

Results

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Results

Based on the values entered above, the following amount shows an indication of how much we might be able to lend. To keep a record of the result, you can save a PDF version so you will have all the information to hand when applying for a decision in principle.

You could borrow (based on affordability): £

The loan-to-value is: %

You could borrow (based on estimated property value): £

The figures provided by this calculator are for illustration only and are designed to give an indication of the amount that we may be able to lend on a capital repayment basis. The figures provided do not constitute an offer to lend. The actual amount that we may be able to lend will depend on checks (including a credit check) and a full assessment of affordability. This will take into account actual income and outgoings, when an application is submitted.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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