Work out the kind of mortgage you could afford
Use our mortgage affordability calculators to work out how much you could borrow and what kind of deposit you need for a mortgage.
How much can I afford to borrow as a mortgage? Our calculators give you a rough idea of what you might be able to borrow from us to buy a home, and what your monthly and total mortgage payments could be for various types of mortgage.
How do you assess what I can afford as a mortgage? When you apply for a mortgage, we’ll ask for the number of applicants, what their income is and whether you’re first-time buyers, remortgaging or buying a new or second home. We’ll also ask about your regular spending, such as payments for credit and store cards, loans, overdrafts, maintenance and your pension. We won’t ask about groceries, travel and utility bills.
Work out a rough estimate of how much you could borrow, based on your income and outgoings – takes a few minutes.
Get a more accurate estimate of how much you could borrow from us – takes about 5 to 10 minutes.
See examples of monthly mortgage repayments and costs, along with interest rates for mortgages you could be eligible for.
Take the first step to buying or remortgaging your home. Find out quickly if you could borrow the amount you need – without affecting your credit score.
What if your rate changes?
See how a change of interest rates would affect your mortgage payments
See how much you could save
Use our offset mortgage calculator to see how your savings could reduce your mortgage term or monthly payments.
See if we could lend the amount you need for a property you’ll rent out.
Chat to us online if you have a question about using our mortgage calculator.
Lines are open 8am to 8pm, every day. To maintain a quality service, we may monitor and record phone calls. Call charges.
First home or new home, we’re here to help
Buying your new home should be exciting, which is why we’re here to offer you guidance on how you can achieve your goals.
You can also check our full mortgage range [PDF, 591KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.