Residential calculator
FOR BROKER USE ONLY
Use our residential affordability calculator for an indication on whether we can lend to your client(s). If you have any questions, please contact your nearest BDM
We lend from £200k to £5m and up to 80% LTV.
- For the following case types, please talk to your nearest BDM or call our Broker Team on 01858 412345 for a guide on how much we can lend:
– Buy to let
– Part repayment and part interest only
– Particularly complex scenarios - The exact amount your client(s) can borrow will depend on various factors including a credit reference check and the client’s personal household commitments. These will be assessed further at the DIP stage
- The affordability calculator outcome is based on the data you input and is an indication only and does not provide a commitment or guarantee that we will offer a mortgage to your client(s)
- Applications are subject to standard lending criteria and all loans are subject to status.
- For more information on completing a case with us, please visit our submit a case page
Step 1
Step 2
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For BTL cases we'll require the expected or actual gross rental income. We'll top-slice on all
BTL cases with no minimum ICR.
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For Interest Only loans, where sale of the property is the repayment strategy, there must be
equity in the property of at least £500k in London and the South East or £300k elsewhere. This
applies after deducting all secured loans.
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We lend from £200k to £5m and up to 80% LTV.
For example - if borrowing amount is
£200,000,
property value would need to be at least
£250,000.
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Our maximum loan term is 40 years. Our minimum loan term is five years.
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Our maximum number of applicants is four. Joint borrower, sole proprietor is available
across our product ranges.
Other existing mortgages
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If your client has a 2nd home or is named on any other residential mortgage, please include the
approximate balance outstanding for a more accurate calculation.
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Include for a more accurate calculation regardless of if the let property is considered
self-financing.
If you’d like to talk your case through in more detail, we’ll be happy to help. Please contact your nearest BDM or call 01858 412345.
Affordability Percentage 0%
Total Cost of Mortgage
Monthly Repayments
What You Could Borrow
You could borrow £0
