Affordability Calculator

Main applicant

Current Employment Status Gross annual income

This should be your gross yearly income before the deduction of income tax or national insurance.

Guaranteed additional annual income

This should include any pension income , dividends, bonus, commission, overtime, shift allowance, employment allowances and car allowance. Any guaranteed bonus, commission, overtime or allowances will need to be confirmed in writing by the employer in addition to payslip/P60 evidence.

If Company Director, GROSS dividend payment

Any other additional annual income

This can include any regular additional income that is not guaranteed. This could include bonus, commission, overtime, dividends, rental income, employment allowances or car allowance.

Joint applicant

Current Employment Status Gross annual income

This should be your gross yearly income before the deduction of income tax or national insurance.

Guaranteed additional annual income

This should include any pension income , dividends, bonus, commission, overtime, shift allowance, employment allowances and car allowance. Any guaranteed bonus, commission, overtime or allowances will need to be confirmed in writing by the employer in addition to payslip/P60 evidence.

If Company Director, GROSS dividend payment

Any other additional annual income

This can include any regular additional income that is not guaranteed. This could include bonus, commission, overtime, dividends, rental income, employment allowances or car allowance.

We will anticipate, using the data provided by the Office for National Statistics, your average monthly outgoings based on the national averages applicable to age, dependents and property value. To allow us to provide a more accurate assessment please include the following:

Specific monthly financial outgoings

Include personal commitments for nursery/school/university fees, personal loans, maintenance payments, hire purchase agreements, Shared Ownership rental payment, Equity Loan payments and where the mortgage is interest only the payment associated with the chosen repayment strategy

Any balances outstanding on credit/store cards, mail order accounts or overdrafts not paid in full each month?

This is the total balance that is not paid in full each month. For current overdrafts include the average amount over the last 3 months.

Specific monthly financial outgoings

Include personal commitments for nursery/school/university fees, personal loans, maintenance payments, hire purchase agreements, Shared Ownership rental payment, Equity Loan payments and where the mortgage is interest only the payment associated with the chosen repayment strategy

Any balances outstanding on credit/store cards, mail order accounts or overdrafts not paid in full each month?

This is the total balance that is not paid in full each month. For current overdrafts include the average amount over the last 3 months.

Customer Details

Property Details

Customer Finances

Main applicant

Joint applicant

Intermediary Details