Mortgage calculators
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.
What the rules mean for you
All mortgage lenders have to abide by certain rules – see how they affect you and if we could lend to you – without affecting your credit score.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The UK’s mortgage rules mean we have to check whether you could still make mortgage payments if your income falls or your monthly repayments increase because of a change in interest rates. So when you apply for a mortgage, we’ll consider your income, debts and regular spending and your personal circumstances.
Your income
You’ll need to provide documents that support what you’ve told us about your:
Your debts and regular spending
We’ll consider how your current and future commitments could affect your ability to afford your mortgage repayments, including:
Your circumstances
We’ll also consider your circumstances today and how you think they may change in the future, including:
Take control of your credit file
Find out what can affect your credit file and how to check it before you apply.
Even if you think you’ve managed your money properly, it’s worth making sure the details agencies hold are correct. You can ask for a report and score from most credit reference agencies. There’s no industry standard for credit scores, so each agency may hold slightly different information about you.
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.
Take the first step to your mortgage with an AiP
Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.
Chat to us online if you have a question about applying (we can’t give mortgage advice in web chats).
Call us1 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.