The affordability system is for information purposes only. The Society decides at its absolute discretion whether to lend and the terms on which it is prepared to lend.
Please note: All monthly expenditure should be keyed under applicant one, failure to do so could result in an incorrect affordability/maximum loan being presented.
Please enter the details requested for an indication of the likely affordability of the loan required, based on both our loan to income (LTI) ratios and the requirement for a level of disposable income after the application of a stressed monthly payment.
The calculator uses modelled data to assess normal household expenditure and is unsuitable in the following circumstances:
- Unusual patterns of household expenditure which are unlikely to correspond to modelled data (ONS)
- Split term loans
Please contact us if the circumstances of your enquiry are not catered for by any of our online calculators.
Information and hint buttons are available if you require assistance with completing the calculator, or you can refer to our lending criteria for a full overview of our lending policy. Please check our individual product guide to ensure that the loan amount does not exceed the maximum available for the product selected.
If you have any queries about our lending criteria please contact us on 01455 894084 to speak to a member of our Business Development team or speak to us via Live Chat (look for the icon that will appear at the bottom of your page).