Affordability calculator

If you're a first time buyer at the start of your journey or a homeowner thinking about remortgaging with us, you can use our mortgage affordability calculator to get an idea of how much you may be able to borrow from us, before you speak to one of our mortgage advisers. 

The amount quoted by our calculator is only for guidance and is not an offer of a mortgage, as we'd need to take you through a more detailed set of questions to give you a firm figure.  

The amount of mortgage that you can afford to borrow – your 'affordability' – is calculated based on several factors. Our mortgage affordability calculator will give you an estimated quote based on the amount you want to borrow and the property value (if known) or the amount of deposit you have, and the term over which you want to borrow. You can also enter your preferred mortgage product rate.

You can use our affordability calculator for new mortgages only. If you are interested in a further advance, you'll find more information about borrowing more on your mortgage here, or you can discuss this with us over the phone or in branch.

Get an idea of how much we may be willing to lend you.

Affordability calculator

To get a personalised quote, known as a 'Decision in Principle' or DIP, and a formal mortgage offer, you can book an appointment with one of our qualified mortgage advisers. They will calculate exactly how much we would be willing to lend you. 

This is done by assessing your individual circumstances, including your income, your regular financial commitments, and your household and lifestyle spending.