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Tools & calculators

Find out how much you could borrow, estimate monthly payments and request an Agreement in Principle.

The mortgage affordability calculator uses your salary details to give an idea of how much you may be able to borrow.

Please be aware that this is only an indication of how much you could borrow. The actual amount is based on a number of things – including your salary, credit rating and how much you can afford to repay after all your outgoings are included.

Annual salary

Please note. This is only an indication of how much you could borrow. All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property as security on your mortgage amount.

All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property for security of your mortgage amount.

Your home may be repossessed if you do not keep up payments on your mortgage

The mortgage repayment calculator can help you find a mortgage product to suit your requirements and calculate what your monthly repayments could be.

When using the repayments calculator, bear in mind that the property price, minus the deposit amount, shouldn’t be any more than the borrowing amount. And remember, when you’re thinking about what you’ll have to pay back every month, take into consideration all your other monthly outgoings to make sure you have enough left over for the month.

Now find out which Mortgage you may be eligible for.

All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property for security of your mortgage amount.

Your home may be repossessed if you do not keep up payments on your mortgage

Agreement in Principle

A mortgage Agreement in Principle is the first step towards your mortgage. It provides you with an indication of whether we could lend you the amount you need to borrow.

The process should take around 10 minutes to complete. We’ll ask about your income and regular spending. We will undertake a soft credit search which has no impact on your credit file.

The information you provide will allow us to, in principle, agree to the amount you could borrow. If you then decide to apply for one of our mortgages, we’ll ask you to provide more detailed information about your circumstances.

An Agreement in Principle doesn’t guarantee you will be successful in a mortgage application, but it can give you an idea of how much we may be able to lend.

Please note we currently cannot provide an Agreement in Principle for interest only or buy to let mortgages. For more information on interest only or buy to let mortgages, contact us on 0800 023 2201 . (Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm).

Who can apply

  • UK and EU residents aged 18 and over
  • First time buyers
  • Home movers
  • Borrowing more on existing mortgage
  • Moving your mortgage from another provider
  • Only available for residential properties in the UK (excluding Northern Ireland)
  • Using sterling income or assets only to repay the mortgage

Discover your mortgage borrowing potential

Request an Agreement in Principle

All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property for security of your mortgage amount.

Your home may be repossessed if you do not keep up payments on your mortgage

If you already have an Agreement in Principle and would like to speak to one of our mortgage advisers call us on 0800 678 1230

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