Joint Borrower Sole Proprietor (JBSP) Calculator

Step 1 of 4

Welcome to the Joint Borrower Sole Proprietor (JBSP) Affordability Calculator

Tax Year 2024-25

Please fill out the required information accurately, and our calculator will provide you with a clear assessment of affordability. If you have any questions or need assistance, please reach out to our team.

Application Information

Broker Name(Required)

Date

Email(Required)

Please enter the email address you would like your affordability result to be sent to upon completion of the calculator.

Lead Applicant Name(Required)

Occupying Borrowers

Income & Committed Expenditure

Applicant Name	Annual Net Income	Annual Total Committed Expenditure	Years Until Retirement	Annual Anticipated Retirement Income	Current Age	Actions

There are no Occupying Borrowers.

This field is hidden when viewing the form

Number of Occupying Borrowers

This field is hidden when viewing the form

Section Break

This field is hidden when viewing the form

Occupying Borrower #1 - Current Age

This field is hidden when viewing the form

Occupying Borrower #1 - Years Until Retirement

This field is hidden when viewing the form

Occupying Borrower #1 - Annual Anticipated Retirement Income

This field is hidden when viewing the form

Occupying Borrower #1 - Total Annual Committed Expenditure

Occupying Borrower #1 - Annual Net Income

This field is hidden when viewing the form

Section Break

This field is hidden when viewing the form

Occupying Borrower #2 - Current Age

This field is hidden when viewing the form

Occupying Borrower #2 - Years Until Retirement

This field is hidden when viewing the form

Occupying Borrower #2 - Annual Anticipated Retirement Income

This field is hidden when viewing the form

Occupying Borrower #2 - Total Annual Committed Expenditure

Occupying Borrower #2 - Annual Net Income

This field is hidden when viewing the form

Total Annual Gross Income - Occupying Borrowers

This field is hidden when viewing the form

Total Annual Committed Expenditure - Occupying Borrowers

This field is hidden when viewing the form

Income Multiple

Based on just the occupying borrower's income the maximum loan we would be able to consider on a repayment basis is approximately:

Household Size

The household size must be selected from the dropdown options before proceeding. Please ensure that the number of adults matches the number of applicants you have added.

Number of Adults(Required)

Please enter a number greater than or equal to 0.

Number of Children(Required)

Please enter a number greater than or equal to 0.

This field is hidden when viewing the form

How Many Applicants are Retired?

Are All Applicants Retired?

Monthly Expenditure

Basic Essential Expenditure & Quality of Living Costs

Would you like to use ONS data?

You have selected to enter custom expenditure data. The fields are prepopulated with ONS data but can now be overtyped. If the total expenditure entered is below the minimum threshold based on ONS data, the ONS expenditure total will be used in our calculations to ensure compliance with our affordability assessment criteria.

This field is hidden when viewing the form

Food & Drink

This field is hidden when viewing the form

Clothing

This field is hidden when viewing the form

Household Goods & Repairs

This field is hidden when viewing the form

Utilities (Gas, Electricity & Water)

This field is hidden when viewing the form

Transport

This field is hidden when viewing the form

Insurance

This field is hidden when viewing the form

Health

This field is hidden when viewing the form

Personal Transport (inc. Car Insurance)

This field is hidden when viewing the form

Communication (inc. Mobile Phone)

This field is hidden when viewing the form

Recreation

Food & Drink

Please enter a number greater than or equal to 0.

Clothing

Please enter a number greater than or equal to 0.

Household Goods & Repairs

Please enter a number greater than or equal to 0.

Utilities (Gas, Electricity & Water)

Please enter a number greater than or equal to 0.

Health

Please enter a number greater than or equal to 0.

Personal Transport (inc. Car Insurance)

Please enter a number greater than or equal to 0.

Communication (inc. Mobile Phone)

Please enter a number greater than or equal to 0.

Recreation

Please enter a number greater than or equal to 0.

Council Tax(Required)

Please enter a number greater than or equal to 0.

Per month based on 10 months

Home & Protection Insurance Premiums(Required)

Please enter a number greater than or equal to 0.

Childcare Costs

Please enter a number greater than or equal to 0.

This field is hidden when viewing the form

Total Monthly Expenditure (They type)

This field is hidden when viewing the form

Total Monthly Expenditure (ONS)

This field is hidden when viewing the form

Total Monthly Expenditure (Figure Used)

What they type OR min of ONS

This field is hidden when viewing the form

Total Annual Expenditure (Figure Used)

What they type OR min of ONS

This field is hidden when viewing the form

ONS or Their Data Lower?

If 1, they have entered lower than ONS

The total expenditure entered is below the minimum threshold based on ONS data. To ensure compliance with our affordability assessment criteria, the ONS expenditure total will be used in our calculations.

Supporting Borrowers

Income & Committed Expenditure

Applicant Name	Annual Net Income	Annual Total Committed Expenditure	Years Until Retirement	Annual Anticipated Retirement Income	Current Age	Actions

There are no Supporting Borrowers.

This field is hidden when viewing the form

Supporting Borrower #1 - Years Until Retirement

This field is hidden when viewing the form

Supporting Borrower #1 - Annual Anticipated Retirement Income

This field is hidden when viewing the form

Supporting Borrower #1 - Total Annual Committed Expenditure

This field is hidden when viewing the form

Supporting Borrower #1 - Annual Net Income

This field is hidden when viewing the form

Supporting Borrower #1 - Current Age

This field is hidden when viewing the form

Section Break

This field is hidden when viewing the form

Supporting Borrower #2 - Years Until Retirement

This field is hidden when viewing the form

Supporting Borrower #2 - Annual Anticipated Retirement Income

This field is hidden when viewing the form

Supporting Borrower #2 - Total Annual Committed Expenditure

This field is hidden when viewing the form

Supporting Borrower #2 - Annual Net Income

This field is hidden when viewing the form

Supporting Borrower #2 - Current Age

This field is hidden when viewing the form

Section Break

This field is hidden when viewing the form

Number of Supporting Borrowers

This field is hidden when viewing the form

Total Annual Gross Income - Supporting Borrowers

This field is hidden when viewing the form

Total Annual Committed Expenditure - Supporting Borrowers

Household Size

The household size must be selected from the dropdown options before proceeding. Please ensure that the number of adults matches the number of applicants you have added.

Number of Adults(Required)

Please enter a number greater than or equal to 0.

Number of Children(Required)

Please enter a number greater than or equal to 0.

Are All Applicants Retired?

Monthly Expenditure

Basic Essential Expenditure & Quality of Living Costs

Would you like to use ONS data?

This field is hidden when viewing the form

Food & Drink

This field is hidden when viewing the form

Clothing

This field is hidden when viewing the form

Utilities (Gas, Electricity & Water)

This field is hidden when viewing the form

Household Goods & Repairs

This field is hidden when viewing the form

Transport

This field is hidden when viewing the form

Insurance

This field is hidden when viewing the form

Health

This field is hidden when viewing the form

Personal Transport (inc. Car Insurance)

This field is hidden when viewing the form

Communication (inc. Mobile Phone)

This field is hidden when viewing the form

Recreation

Food & Drink

Please enter a number greater than or equal to 0.

Clothing

Please enter a number greater than or equal to 0.

Household Goods & Repairs

Please enter a number greater than or equal to 0.

Utilities (Gas, Electricity & Water)

Please enter a number greater than or equal to 0.

Health

Please enter a number greater than or equal to 0.

Personal Transport (inc. Car Insurance)

Please enter a number greater than or equal to 0.

Communication (inc. Mobile Phone)

Please enter a number greater than or equal to 0.

Recreation

Please enter a number greater than or equal to 0.

Council Tax(Required)

Please enter a number greater than or equal to 0.

Per month based on 10 months

Home & Protection Insurance Premiums(Required)

Please enter a number greater than or equal to 0.

Childcare Costs

Please enter a number greater than or equal to 0.

This field is hidden when viewing the form

Total monthly expenditure (They type - SB)

This field is hidden when viewing the form

Total Monthly Expenditure (ONS) - SB

This field is hidden when viewing the form

Total Monthly Expenditure (Figure used SB)

This field is hidden when viewing the form

Total Annual Expenditure

This field is hidden when viewing the form

ONS or Their Data Lower? SB

If 1, they have entered lower than ONS

Loan Details

This field is hidden when viewing the form

Average Retention Rate

Purchase Price/Estimated Value(Required)

Please enter a number greater than or equal to 0.

Repayment Method

For Part & Part loans, please complete both the Capital Repayment and Interest-Only sections.

Capital Repayment

Amount

Loan Term in Years

Plus Months

This field is hidden when viewing the form

Loan Term (Years/12 + Months)

Product Rate (%)

Please enter a number greater than or equal to 0.

Loan Type

Product Term

This field is hidden when viewing the form

Is Five-Year Fixed?

This field is hidden when viewing the form

Loan Term

This field is hidden when viewing the form

Frequency

Product Monthly Payment

This field is hidden when viewing the form

CR: Product CMS Int

This field is hidden when viewing the form

CR: Stress Rate

This field is hidden when viewing the form

CR: Rep Stress CMS

This field is hidden when viewing the form

CR: IO Stress CMS

Interest-Only

Amount

Loan Term in Years

Plus Months

This field is hidden when viewing the form

Loan Term

This field is hidden when viewing the form

Frequency

Product Rate (%)

Please enter a number greater than or equal to 0.

Loan Type

Product Term

This field is hidden when viewing the form

Is Five-Year Fixed?

Product Monthly Payment

This field is hidden when viewing the form

IO: Rept CMS

This field is hidden when viewing the form

Stress Rate (%)

This field is hidden when viewing the form

IO: IO Stress CMS

This field is hidden when viewing the form

IO New Rep Stress

This field is hidden when viewing the form

IO: Rep Stress CMS

This field is hidden when viewing the form

Part & Part Total Product CMS

Loan Totals

This field is hidden when viewing the form

Total Interest-Only CMS

This field is hidden when viewing the form

Total Rept CMS

This field is hidden when viewing the form

Stress Rate (%)

This field is hidden when viewing the form

Stressed CMS

This field is hidden when viewing the form

Total IO Stress CMS

Total Product Monthly Payment

Total Loan Amount

This field is hidden when viewing the form

Total Product Monthly Payment

This field is hidden when viewing the form

Balance at Reversion

This field is hidden when viewing the form

Reversion CMS

SVR 7.89%

This field is hidden when viewing the form

Occupying Borrowers Annual Budget Summary

OB #1 - Years Until Review

OB #2 - Years Until Review

SB #1 - Years Until Review

SB #2 - Years Until Review

This field is hidden when viewing the form

OB #1 Retirement Income

This field is hidden when viewing the form

OB #2 Retirement Income

This field is hidden when viewing the form

SB #1 Retirement Income

This field is hidden when viewing the form

SB #2 Retirement Income

OB #1 - Inc. 2% OB1

OB #2 - Inc. 2% OB1

This field is hidden when viewing the form

SB #1 - Inc. 2% OB1

This field is hidden when viewing the form

SB #2 - Inc. 2% OB1

This field is hidden when viewing the form

OB #1 - Inc. 2% OB2

This field is hidden when viewing the form

OB #2 - Inc. 2% OB2

This field is hidden when viewing the form

SB #1 - Inc. 2% OB2

This field is hidden when viewing the form

SB #2 - Inc. 2% OB2

This field is hidden when viewing the form

OB #1 - Income Used OB1

This field is hidden when viewing the form

OB #2 - Income Used OB1

This field is hidden when viewing the form

SB #1 - Income Used OB1

This field is hidden when viewing the form

SB #2 - Income Used OB1

This field is hidden when viewing the form

OB #1 - Income Used OB2

This field is hidden when viewing the form

OB #2 - Income Used OB2

This field is hidden when viewing the form

SB #1 - Income Used OB2

This field is hidden when viewing the form

SB #2 - Income Used OB2

This field is hidden when viewing the form

SB #1 Current Income Net of Tax & NI

This field is hidden when viewing the form

SB #2 Current Income Net of Tax & NI

OB #1 - Income Used SB1

OB #2 - Income Used SB1

SB #1 - Income Used SB1

SB #2 - Income Used SB1

OB #1 - Income Used SB2

OB #2 - Income Used SB2

SB #1 - Income Used SB2

SB #2 - Income Used SB2

OB #1 Combined Income Used

OB #2 Combined Income Used

SB #1 Combined Income Used

SB #2 Combined Income Used

This field is hidden when viewing the form

OB #1 Monthly Combined

This field is hidden when viewing the form

OB #2 Monthly Combined

This field is hidden when viewing the form

SB #1 Monthly Combined

This field is hidden when viewing the form

SB #2 Monthly Combined

This field is hidden when viewing the form

OB Current Monthly House Exp. (ONS)

SB Current Monthly House Exp. (ONS) - OB1

SB Current Monthly House Exp. (ONS) - OB2

SB Current Monthly House Exp. (ONS) - SB1

SB Current Monthly House Exp. (ONS) - SB2

OB #1 Net Income

OB #2 Net Income

SB #1 Net Income

SB #2 Net Income

This field is hidden when viewing the form

OB #1 = Current Monthly Stressed Payment

This field is hidden when viewing the form

OB #2 = Current Monthly Stressed Payment

This field is hidden when viewing the form

SB #1 = Current Monthly Stressed Payment

This field is hidden when viewing the form

SB #2 = Current Monthly Stressed Payment

OB #1 Retirement Coverage

OB #2 Retirement Coverage

SB #1 Retirement Coverage

SB #2 Retirement Coverage

This field is hidden when viewing the form

OB #1 Retirement Coverage P/F

0 = N/A 1 = Pass 2 = Fail

This field is hidden when viewing the form

OB #2 Retirement Coverage P/F

0 = N/A 1 = Pass 2 = Fail

This field is hidden when viewing the form

SB #1 Retirement Coverage P/F

0 = N/A 1 = Pass 2 = Fail

This field is hidden when viewing the form

SB #2 Retirement Coverage P/F

0 = N/A 1 = Pass 2 = Fail

This field is hidden when viewing the form

OB Total Annual Income

This field is hidden when viewing the form

OB Total Annual Expenditure

This field is hidden when viewing the form

SB Total Plus Pension

This field is hidden when viewing the form

OB Total Plus Pension

This field is hidden when viewing the form

OB Disposable Annual Income

This field is hidden when viewing the form

OB Less 10% of Disposable Annual Income

This field is hidden when viewing the form

OB 90% of Disposable Annual Income

This field is hidden when viewing the form

OB 90% of Disposable Monthly Income

This field is hidden when viewing the form

Supporting Borrowers Annual Budget Summary

This field is hidden when viewing the form

SB Annual Exp - ONS

This field is hidden when viewing the form

SB Total Annual Income

This field is hidden when viewing the form

SB Total Annual Expenditure

This field is hidden when viewing the form

SB Disposable Annual Income

This field is hidden when viewing the form

SB Less 10% of Disposable Annual Income

This field is hidden when viewing the form

SB 90% of Disposable Annual Income

This field is hidden when viewing the form

SB 90% of Disposable Monthly Income

This field is hidden when viewing the form

Ability to Support Stressed CMS on Customer(s) Income and/or Family Member(s) Income

This field is hidden when viewing the form

Combined 90% Disposable Income (Monthly)

This field is hidden when viewing the form

Monthly CMS at Stress Rate (Interest Only)

This field is hidden when viewing the form

Combined Percentage Coverage at Stress Rate (Interest Only) %

This field is hidden when viewing the form

Monthly CMS at Stress Rate (Capital Repayment)

This field is hidden when viewing the form

Combined Percentage Coverage at Stress Rate (Capital Repayment) %

This field is hidden when viewing the form

Monthly CMS at Stress Rate (Part & Part)

This field is hidden when viewing the form

Combined Percentage Coverage at Stress Rate (Part & Part) %

Current Affordability

This field is hidden when viewing the form

Maximum Loan Available Based on Occupying Borrower Income Multiple

This field is hidden when viewing the form

Maximum Loan Cap

4 Times Customer Income Multiple

This field is hidden when viewing the form

Product Limit

This field is hidden when viewing the form

Max Loan Based on Multiples / Product Limit

This field is hidden when viewing the form

Max Loan Based on Affordability

This field is hidden when viewing the form

Maximum Loan We Can Consider

This field is hidden when viewing the form

Coverage of Repayment Type (%) Admin

This field is hidden when viewing the form

Coverage of Repayment Type (%)

This field is hidden when viewing the form

Coverage of Repayment Type - Pass/Refer/Fail

0 - No 1 - Review 2 - Pass 3 - Fail

This field is hidden when viewing the form

Pass/Refer/Fail?

0 - No 1 - Review 2 - Pass 3 - Fail

The mortgage is currently affordable based on current income

Unaffordable: Please review loan amount

This has failed on current affordability

This field is hidden when viewing the form

Worst Retirement Coverage (%)

Loan affordable at supporting borrowers' retirement age: Fail

The mortgage remains affordable when the supporting borrower retires

This field is hidden when viewing the form

Affordability When Supporting Borrowers Reach 85

This field is hidden when viewing the form

Mortality Age (85)

This field is hidden when viewing the form

SB1 Years Until 85

This field is hidden when viewing the form

SB2 Years Until 85

SB1 Years Until 80

SB2 Years Until 80

This field is hidden when viewing the form

SB1 Years Until Review (85)

This field is hidden when viewing the form

SB2 Years Until Review (85)

This field is hidden when viewing the form

SB1 Years Until Review (80)

This field is hidden when viewing the form

SB2 Years Until Review (80)

This field is hidden when viewing the form

Retirement Income Family 1 (SB1)

This field is hidden when viewing the form

Retirement Income Family 2 (SB2)

This field is hidden when viewing the form

Retirement Income Applicant 1 (OB1)

This field is hidden when viewing the form

Retirement Income Applicant 2 (OB2)

This field is hidden when viewing the form

SB1 Inc2% Applicant 1 (85)

This field is hidden when viewing the form

SB1 Inc2% Applicant 2 (85)

SB1 Inc2% Applicant 1 (80)

SB1 Inc2% Applicant 2 (80)

SB1 Inc2% Applicant 1 (LIR)

SB1 Inc2% Applicant 2 (LIR)

SB2 Inc2% Applicant 1 (LIR)

SB2 Inc2% Applicant 2 (LIR)

This field is hidden when viewing the form

SB2 Inc2% Applicant 1 (85)

This field is hidden when viewing the form

SB2 Inc2% Applicant 2 (85)

SB2 Inc2% Applicant 1 (80)

SB2 Inc2% Applicant 2 (80)

SB1 Inc Used Applicant 1 (85)

SB1 Inc Used Applicant 2 (85)

SB1 Inc Used Applicant 1 (80)

SB1 Inc Used Applicant 2 (80)

SB1 Inc Used Applicant 1 (LIR)

SB1 Inc Used Applicant 2 (LIR)

SB2 Inc Used Applicant 1 (85)

SB2 Inc Used Applicant 2 (85)

SB2 Inc Used Applicant 1 (80)

SB2 Inc Used Applicant 2 (80)

SB2 Inc Used Applicant 1 (LIR)

SB2 Inc Used Applicant 2 (LIR)

Current Income Net SB1 (85)

Current Income Net SB2 (85)

This field is hidden when viewing the form

Current Income Net SB1 (80)

This field is hidden when viewing the form

Current Income Net SB2 (80)

This field is hidden when viewing the form

SB1 Income Used FNo1 (85)

This field is hidden when viewing the form

SB1 Income Used FNo2 (85)

This field is hidden when viewing the form

SB1 Income Used FNo1 (80)

This field is hidden when viewing the form

SB1 Income Used FNo2 (80)

This field is hidden when viewing the form

SB2 Income Used FNo1 (85)

This field is hidden when viewing the form

SB2 Income Used FNo2 (85)

This field is hidden when viewing the form

SB2 Income Used FNo1 (80)

This field is hidden when viewing the form

SB2 Income Used FNo2 (80)

SB1 Combined Income Used (85)

SB2 Combined Income Used (85)

SB1 Combined Income Used (80)

SB2 Combined Income Used (80)

This field is hidden when viewing the form

SB1 Comb Monthly Income (85)

This field is hidden when viewing the form

SB2 Comb Monthly Income (85)

SB1 Comb Monthly Income (80)

SB2 Comb Monthly Income (80)

This field is hidden when viewing the form

OB/Applicant Current Monthly House Exp (85)

This field is hidden when viewing the form

SB1 SB/Fam Cu. Mo. H.Exp (85)

This field is hidden when viewing the form

SB2 SB/Fam Cu. Mo. H.Exp (85)

This field is hidden when viewing the form

SB1 SB/Fam Cu. Mo. H.Exp (80)

This field is hidden when viewing the form

SB2 SB/Fam Cu. Mo. H.Exp (80)

This field is hidden when viewing the form

SB1 Net Income (85)

This field is hidden when viewing the form

SB2 Net Income (85)

This field is hidden when viewing the form

SB1 Net Income (80)

This field is hidden when viewing the form

SB2 Net Income (80)

This field is hidden when viewing the form

SB1 Stressed Payment (85)

This field is hidden when viewing the form

SB2 Stressed Payment (85)

This field is hidden when viewing the form

SB1 Stressed Payment (80)

This field is hidden when viewing the form

SB2 Stressed Payment (80)

SB1 Coverage % (85)

SB2 Coverage % (85)

SB1 Coverage % (80)

SB2 Coverage % (80)

This field is hidden when viewing the form

Worst Age 85 Coverage

This field is hidden when viewing the form

Age 85 Affordability Pass/Fail

N/A is 0 Pass is 1 Fail is 2

This field is hidden when viewing the form

Worst Age 80 Coverage

This field is hidden when viewing the form

Age 80 Affordability Pass/Fail

N/A is 0 Pass is 1 Fail is 2

Worst Age 85 Coverage (%)

Worst Age 80 Coverage (%)

This field is hidden when viewing the form

Affordability to occupiers when supporting borrowers reach age 80 (Max. LTV 60%) Coverage - applicants income alone when supporting borrowers retire

SB1 Combined Annual Income

SB2 Combined Annual Income

SB1 Combined Annual Income LIR

SB2 Combined Annual Income LIR

SB1 Projected Balance

SB2 Projected Balance

SB1 Combined Monthly Income LIR

SB2 Combined Monthly Income LIR

SB1 Net Income

SB2 Net Income

This field is hidden when viewing the form

SB1 Coverage When SP 80

This field is hidden when viewing the form

SB2 Coverage When SP 80

This field is hidden when viewing the form

SB1 Coverage When SP 80 %

This field is hidden when viewing the form

SB2 Coverage When SP 80 %

This field is hidden when viewing the form

Section Break

Affordability when supporting borrowers reach 85: Not Applicable

Affordability when supporting borrowers reach 85: Pass

Affordability when supporting borrowers reach 85: Fail

This field is hidden when viewing the form

Maximum Loan Eligibility

Current Loan-to-Value (LTV) (%)

This field is hidden when viewing the form

Maximum Loan Permitted

Lending Into Retirement (LIR)

Based on the information provided, the maximum LTV permitted under LIR rules based on the results below is Not Applicable%.

This loan will be restricted to a maximum of Not Applicable or less, subject to current affordability.

This field is hidden when viewing the form

First Retirement - Supporting Borrowers

This field is hidden when viewing the form

First Retirement - Occupying Borrowers

This field is hidden when viewing the form

First Retirement - Supporting & Occupying Borrowers

SB1 Current Monthly Stressed Payment

SB2 Current Monthly Stressed Payment

SB1 Retirement Coverage

SB2 Retirement Coverage

Retirement Worst Coverage Occupier's Sole Income

This field is hidden when viewing the form

* If LTV is over 80% is the loan affordable without supporting borrowers' income?

1 is Not Applicable 2 is Pass 3 is Fail

Is the loan affordable without the supporter’s income when the LTV exceeds 80%?: Fail

Is the loan affordable without the supporter’s income when the LTV exceeds 80%?: Pass

Is the loan affordable without the supporter’s income when the LTV exceeds 80%?: Not Applicable

This field is hidden when viewing the form

SB1 70 or Over at Start of Mortgage?

This field is hidden when viewing the form

SB2 70 or Over at Start of Mortgage?

This field is hidden when viewing the form

SBS 70 or Over at Start of Mortgage?

This field is hidden when viewing the form

If the LTV is over 80% & the supporting borrower(s) are age 70 or over at the start of the mortgage?

1 is N/A 2 is Pass 3 is Fail

Are the supporting borrower(s) aged 70 or over at the start of the mortgage when the LTV exceeds 80%?: Pass

Are the supporting borrower(s) aged 70 or over at the start of the mortgage when the LTV exceeds 80%?: Not Applicable

Are the supporting borrower(s) aged 70 or over at the start of the mortgage when the LTV exceeds 80%?: Fail

This field is hidden when viewing the form

OB1 Years Until 70

This field is hidden when viewing the form

OB2 Years Until 70

This field is hidden when viewing the form

Check if OB1's remaining years exceed loan term

This field is hidden when viewing the form

Check if OB2's remaining years exceed loan term

This field is hidden when viewing the form

Combined eligibility based on age limits

This field is hidden when viewing the form

If the LTV is over 80% & the occupying borrower(s) will reach the age 70 before mortgage ends?

1 is N/A 2 is Pass 3 is Fail

Will the occupying borrower(s) reach age 70 before the mortgage ends when the LTV exceeds 80%?: Pass

Will the occupying borrower(s) reach age 70 before the mortgage ends when the LTV exceeds 80%?: Not Applicable

Will the occupying borrower(s) reach age 70 before the mortgage ends when the LTV exceeds 80%?: Fail

This field is hidden when viewing the form

Age 80 Affordability Checks

Worst Age 80/LTV 60% Coverage

This field is hidden when viewing the form

If LTV is over 60% & the occupiers are still reliant on supporting borrowers when the supporter is 80?

1 is Not Applicable 2 is Pass 3 is Fail

Are the occupying borrower(s) reliant on the supporter’s income when the supporter reaches age 80, and the LTV exceeds 60%?: Not Applicable

Are the occupying borrower(s) reliant on the supporter’s income when the supporter reaches age 80, and the LTV exceeds 60%?: Pass

Are the occupying borrower(s) reliant on the supporter’s income when the supporter reaches age 80, and the LTV exceeds 60%?: Fail

This field is hidden when viewing the form

If the LTV is over 60% and occupying borrowers will reach 80 before the mortgage ends?

1 is Not Applicable 2 is Pass 3 is Fail

Will the occupying borrower(s) reach age 80 before the mortgage ends when the LTV exceeds 60%?: Pass

Will the occupying borrower(s) reach age 80 before the mortgage ends when the LTV exceeds 60%?: Fail

Will the occupying borrower(s) reach age 80 before the mortgage ends when the LTV exceeds 60%?: Not Applicable

This field is hidden when viewing the form

Maximum LTV Permitted (%)

This field is hidden when viewing the form

Maximum Loan Permitted

No LIR checks are required for this case.

If you require assistance with this calculator or if you have any other queries, please ring our Intermediary Team on 01509 631953.