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How much could I borrow?

Calculator Agreement in Principle

The mortgage affordability calculator uses your salary details to give an idea of how much you may be able to borrow.

Please be aware that this is only an indication of how much you could borrow. The actual amount is based on a number of things – including your salary, credit rating and how much you can afford to repay after all your outgoings are included.

Annual salary

Please note. This is only an indication of how much you could borrow. All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property as security on your mortgage amount.

Your home may be repossessed if you do not keep up payments on your mortgage

The mortgage repayment calculator can help you find a mortgage product to suit your requirements and calculate what your monthly repayments could be.

When using the repayments calculator, bear in mind that the property price, minus the deposit amount, shouldn’t be any more than the borrowing amount. And remember, when you’re thinking about what you’ll have to pay back every month, take into consideration all your other monthly outgoings to make sure you have enough left over for the month.

Mortgage sale

SALE indicates this product has £500 off arrangement fees (previously £999).

Min loan amount of £25k. Residential mortgages only. Excl. internal product switches. Applications must be submitted before offer end date to be eligible. UK residents only. 18+. All loans subject to status. Offer ends 28/02/18.

Representative Example for mortgage sale

A mortgage of £149,397 payable over 22 years, initially on a fixed rate of 1.59% for 2 years and then our Standard Variable Rate, currently 4.95%, for the remaining 20 years. This would require 27 monthly payments of £679.69 and then 232 monthly payments of £909.30 plus one final payment of £907.56. The total amount payable would be £231,450.79 made up of the loan amount plus interest (£80,819.51), arrangement fee (£499), valuation fee (£500), CHAPS/telegraphic transfer fee (£40) and security release fee (£195)

The overall cost for comparison is 4.3% APRC representative.

This is a representative example related to the mortgages included in the sale. It will not be representative of the results when you use the mortgage calculator with your own details.

Now find out which Mortgage you may be eligible for.

All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property for security of your mortgage amount.

Your home may be repossessed if you do not keep up payments on your mortgage

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