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How to complete our affordability calculator

Annual income (£)

If your customer is employed please include:

  • Their annual gross basic salary including any occupational pension (the amount before tax and national insurance deductions)
  • If the term requested will extend into the customer's retirement and their retirement is less than 10 years away, please include either their anticipated retirement income or their current income if lower
  • We’ll accept 50% of regular additional (non-guaranteed) income such as; overtime, commission and higher frequency bonuses
  • We won’t accept annual or bi-annual bonuses
  • Our underwriters may reduce the amount of reliance on this income at their discretion.

If your customer is self-employed, please average their last two years' earned UK taxable income (gross taxable income, not turnover), or use their most recent year's income if it’s lower than the average. Earned taxable income is defined as follows:

  • For sole traders, use their net profit figures
  • For partnerships, use their share of the net profit
  • For directors with a 25% or greater shareholding, use the total of their director's remuneration and dividend income.

If your customer receives child maintenance please include the annual amount received. The associated children should be entered in the “Number of children” field as financial dependants. Child maintenance cannot be the only form of income on an application.

If your customer receives foster income please average their last two years' earned UK taxable income, or use their most recent year's income if it’s lower than the average. Foster children must be included in the “Number of children” field as financial dependants.

Interest rate

For variable rate products, or products fixed for less than 5 years, you don't need to provide an interest rate as we'll use our default stress rate. For products fixed for 5 years or more, please enter the interest rate of the chosen product. We’ll calculate a product specific stress rate to ensure the mortgage remains affordable. Visit our product page for more information.

Monthly outgoings (£)

Enter the total amount (combined for joint applicants) your customer will continue to pay each month for committed outgoings. Details of what to include and exclude are listed below.


  • Car finance and personal loans
  • Student loans
  • Any loans or credit where acting as a guarantor
  • Second or subsequent charges secured on your customer's property
  • Hire purchase commitments
  • Overdraft interest calculated at 2% of the current overdraft balance
  • Credit card/store card/catalogue debts calculated at 3% of the current outstanding balance
  • Childcare costs/child maintenance/alimony
  • School fees
  • Interest costs on any non Buy to Let mortgages your customer holds calculated at 7.74% of the approximate balance at completion.


  • Living expenses (e.g. food, utility bills, clothes, petrol)
  • Subscriptions to leisure activities (e.g. gym or golf club membership)
  • Pension contributions
  • Commitments, payments or rent that will cease if this mortgage completes
  • Monthly payments for other mortgages, even if they will continue after completion.

Number of adults

Enter the number of applicants and any other adults who are financially dependent upon the applicants.


Number of children

Enter the number of children under the age of 18. Exclude any children who do not live with the applicants.