Residential Affordability Calculator

The following calculator has been provided by us to allow a professional mortgage intermediary to make a high-level assessment of an applicant's eligibility. All mortgage applications will be subjected to a further detailed assessment and validation of affordability during the underwriting process to ascertain the maximum loan available to them.

 Please refer to our Product Guide for product information.

Calculate net annual income

Annual Income Calculator

* Please enter annual figures only.

Product and Term details



Annual Income

Borrower 1

Monthly Expenditure

Not the loan amount you were looking for?

  • Can the term be extended? (Max 35 years and <3 years beyond state retirement age)
  • Are there any children aged 11 and below? Add in child benefit and any tax credits.
  • Employed - Pension and share save contributions can be added back into net pay.
  • Self Employed - Pension, health insurance, trust fund and car lease contributions can be added back in.
  • Ltd Companies - We can use salary and share of net profit (which is usually higher than dividends).
  • Please refer to our Product Guide for more information.