Affordability calculator

Applicant one

Tick here if the applicant has employed income

Tick here if the applicant has self-employed income

Tick here if the applicant has been furloughed

Tick here if the applicant is defined as a critical worker

Gross annual/monthly income

Net annual/monthly income

N.B. The above boxes set assumptions for gross to net income ratio – if net income has non mandatory payments already deducted you can add these back into the net figure e.g. voluntary payments pension and share save etc. The gross and net incomes must be for the same time period i.e. annual and annual, or monthly and monthly – not mixed.

Tax rate

Employed income

Annual basic income

Pension deduction

Annual bonus for the last two years

Monthly sustainable allowances

Monthly overtime for the last three months

Tick here if the sustainability of the monthly overtime can be evidenced by an Annual Tax Summary

Monthly commission for the last three months

Tick here if the sustainability of the monthly commission can be evidenced by an Annual Tax Summary

Monthly bonus for the last three months

Tick here if the sustainability of the monthly bonus can be evidenced by an Annual Tax Summary

Self-employed income

Annual income before tax for the most recent year

Annual income before tax for the previous year

Other income

Annual non-taxable income

Annual pension income

Commitments (remaining after completion)

Credit card balance

Overdraft balance

Other monthly credit commitments

Rates, service charges and ground rent

Monthly maintenance, childcare (including Child Tax Care vouchers) and school fees

Other regular monthly commitments (please do not include pension contributions)

Important information

This website is for the use of mortgage intermediaries only.

If you reproduce any part of the information contained in this communication, to be used with or to advise clients, you must ensure it conforms to all applicable advising and selling rules. It’s your responsibility to ensure that the information you’re using is the most up-to-date in line with our most recent communications to professional mortgage advisors. If you’re unsure that you are using the correct versions, please check with our intermediary support team.

Mortgage requirements