Residential Affordability calculator

Mortgage Details

£
Please refer to our product guide
%
£
The customer's basic expenditure is all mandatory outgoings on a monthly basis such as, utilities, phone bill, council tax, food or clothes shopping, TV License and travel to and from work.
£
£
The customer's regular expenditure is all outgoings that the customer must make on a monthly basis eg insurance, medical, dental cover, car service costs, MOT costs, equity loan, repayment vehicle etc.
£
The customer's expenditure that is neither a credit agreement, committed expenditure nor basic essential expenditure. Example: Ground rent and service charges.
£
£
Include any secured and unsecured loans to remain after completion. Exclude loans that will expire in the next 3 months and loans relating to Buy to Let properties.
£

Applicant #1

Employed Income

£
Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.
£
£
Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years' accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.

Self-employed Sole Trader / Limited Liability Partnership Income

£
Please include basic salary and share of net profit.

Self-employed Limited Company Income

£
Please include basic salary.
£
£

Contractor Income

£
Total of all current day rates.
£

Other Income

£
Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.
£
£
Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.
£
£
Profit from UK land and Property, less finance costs. Where joint Buy to Let, enter only the profit for the individual applicant.
£
Please include Income Payment Protection and investment income (fixed income products only).
£

Applicant #2

Employed Income

£
Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.
£
£
Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years' accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.

Self-employed Sole Trader / Limited Liability Partnership Income

£
Please include basic salary and share of net profit.

Self-employed Limited Company Income

£
Please include basic salary.
£
£

Contractor Income

£
Total of all current day rates.
£

Other Income

£
Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.
£
£
Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.
£
£
Profit from UK land and Property, less finance costs. Where joint Buy to Let, enter only the profit for the individual applicant.
£
Please include Income Payment Protection and investment income (fixed income products only).
£

Applicant #3

Employed Income

£
Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.
£
£
Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years' accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.

Self-employed Sole Trader / Limited Liability Partnership Income

£
Please include basic salary and share of net profit.

Self-employed Limited Company Income

£
Please include basic salary.
£
£

Contractor Income

£
Total of all current day rates.
£

Other Income

£
Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.
£
£
Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.
£
£
Profit from UK land and Property, less finance costs. Where joint Buy to Let, enter only the profit for the individual applicant.
£
Please include Income Payment Protection and investment income (fixed income products only).
£

Applicant #4

Employed Income

£
Please include all basic income, including shift/ regional allowance, regular bonus/commission, maternity/paternity pay and parental leave.
£
£
Please include non-regular bonus and commission.

Self-employed

We prefer a minimum of 2 years' accounts at application but we will consider less than this, where 1 years trading or increasing/stable income enter latest years income only otherwise enter an average of the last two years. Where a company director owns 20% or more of the company shares, they will be classed as self-employed.

Self-employed Sole Trader / Limited Liability Partnership Income

£
Please include basic salary and share of net profit.

Self-employed Limited Company Income

£
Please include basic salary.
£
£

Contractor Income

£
Total of all current day rates.
£

Other Income

£
Please include armed forces payment, war disablement pension, war widow's pension and state & private pension.
£
£
Please include maintenance (court order), universal/tax credit and disability/income supplement/ industrial injuries disablement benefit.
£
£
Profit from UK land and Property, less finance costs. Where joint Buy to Let, enter only the profit for the individual applicant.
£
Please include Income Payment Protection and investment income (fixed income products only).
£

Non-occupying/Supporting household Mortgage details

£
£
%

If you're close to meeting the loan amount or criteria, we may still be able to help. We assess each case on individual merits and consider a wider range of income. Please contact us to discuss your case in full.

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