This calculator will give you an estimate of how much money you can borrow. Simply complete the sections below and click 'Calculate' to see your results.

This calculator is for illustrative purposes only and does not take into account all of your individual circumstances.


Please do not include any non-sterling income below.

Please provide details of your income. *

Applicant 1
Applicant 2

If you are employed or retired, please tell us your:

If you are self-employed, please tell us your net profit for:

If you are a salaried / non-salaried director, please tell us your:

Please also tell us your annual net dividends (£)

  Yrs     Mths  
  Yrs     Mths  

Other Income

Outgoings / expenses

Outgoings to remain outstanding after the mortgage completes.  
  • Other significant outgoings are outgoings that you could not or would not stop paying to reduce your expenditure, including service charges, factor fees & ground rent.
  • In the monthly school/nursery/childcare fees box, please include the amount of childcare vouchers shown on your payslip, plus any additional amount you pay directly.
  • Monthly mortgage payments unless the mortgage is being repaid, or the mortgaged property is let or you plan to let.
  • If you regularly use one or more overdrafts please tell us the maximum amount you have been overdrawn by in the last 3 months.

Please exclude:

  • general outgoings e.g. food, petrol, insurance, council tax and utilitiy bills
  • mortgage payments if the mortgage will be repaid before the new one starts
  • mortgage payments if the property has been let for more than 6 months and the rent received is at least 50% higher than the mortgage payment

Outgoings to be repaid when the mortgage completes.

Credit Cards


Additional information


If you know the details of the loan you are looking for, answers to the questions below can help to give you a more accurate borrowing figure. If however you don't know, please leave them blank.