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.

1 Mortgage Details

2 Income

3 Expenditure

4 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 1Gross annual income

Applicant 2Gross annual income

Applicant 1Any additional income (if applicable)

Applicant 2Any additional income (if applicable)

Applicant 1Dividend income (if applicable)

Applicant 2Dividend income (if applicable)

Applicant 1Other non-taxable income (if applicable)

Applicant 2Other non-taxable income (if applicable)

Applicant 1Existing buy-to-let rental income (if applicable)

Applicant 2Existing 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 1Existing buy-to-let outgoings (if applicable)

Applicant 2Existing buy-to-let outgoings (if applicable)

Applicant 1Total monthly loan payments (excluding student loans) (if applicable)

Applicant 2Total monthly loan payments (excluding student loans) (if applicable)

Applicant 1Outstanding credit card balances (if applicable)

Applicant 2Outstanding credit card balances (if applicable)

Applicant 1Monthly essential expenditure (if applicable)

Applicant 2Monthly essential expenditure (if applicable)

Applicant 1TV package (if applicable)

Applicant 2TV package (if applicable)

Applicant 1Essential travel (if applicable)

Applicant 2Essential travel (if applicable)

Applicant 1Non-essential travel (if applicable)

Applicant 2Non-essential travel (if applicable)

Applicant 1Childcare costs (if applicable)

Applicant 2Childcare costs (if applicable)

Applicant 1Other insurance (if applicable)

Applicant 2Other insurance (if applicable)

Applicant 1Pensions and assurances (if applicable)

Applicant 2Pensions and assurances (if applicable)

Applicant 1Other 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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