Residential/Self-Build Calculator

Step 1 of 6

Welcome to the Residential Affordability Calculator

Tax Year 2024-25

Please fill out the required information accurately. Our calculator will provide you with a guide on affordability, and a full assessment will be completed on submission of an application. If you have any questions or need assistance, please reach out to our team.

Please note this affordability calculator is not a Decision in Principle.

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.

Application Type

Applicant 1

Applicant Information

Applicant Name

Is the tax code and number known?(Required)

Is the applicant above state retirement age?

The retirement status of the applicant(s) must be completed to ensure that National Insurance contributions and tax is correctly deducted.

Yes

Primary Income

Basic Gross Salary

Please enter a number greater than or equal to 0.

Income Frequency

Self-Employed (Share of Net Profits)

Please enter a number greater than or equal to 0.

Income Frequency

Self-Employed (Dividends)

Please enter a number greater than or equal to 0.

Income Frequency

Monthly Guaranteed Shift Allowance

Please enter a number greater than or equal to 0.

Monthly Guaranteed Car Allowance

Please enter a number greater than or equal to 0.

Monthly Guaranteed Rent/Town Allowance

Please enter a number greater than or equal to 0.

2nd Job (Same Industry)

Please enter a number greater than or equal to 0.

Income Frequency

Annual BTL Rental Income (3 or More Properties)

Please enter a number greater than or equal to 0.

SA302 Figure

Secondary Income

Monthly Regular Overtime

Please enter a number greater than or equal to 0.

Monthly Regular Shift Allowance

Please enter a number greater than or equal to 0.

Regular Bonus/Commission

Please enter a number greater than or equal to 0.

Income Frequency

2nd Job (Different Industry)

Please enter a number greater than or equal to 0.

Income Frequency

Annual BTL Rental Income (2 or Less Properties)

Please enter a number greater than or equal to 0.

SA302 Figure

Annual Pension/Investment Income

Personal/Occupational Pension

Please enter a number greater than or equal to 0.

State Retirement Pension

Please enter a number greater than or equal to 0.

Investment/Trust Income

Please enter a number greater than or equal to 0.

Monthly Deductions Before Tax

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Pension Contributions

Childcare Vouchers

Please enter a number greater than or equal to 0.

Other

Please enter a number greater than or equal to 0.

Monthly Deductions After Tax

Student Loan

Please enter a number greater than or equal to 0.

Other Non-Taxable Deductions

Please enter a number greater than or equal to 0.

E.g. cycle purchase schemes, Sharesave, Save As You Earn (SAYE) & benefit purchases

Monthly Other Non-Taxable Income

Maintenance (by Court Order)

Please enter a number greater than or equal to 0.

Two years minimum

Maintenance (if not by Court Order)

Please enter a number greater than or equal to 0.

Two years minimum

Benefits (Evidence Required)

Please enter a number greater than or equal to 0.

Universal Credit (UC), Attendance Allowance (AA), Constant Attendance Allowance (CAA), Job Seekers Allowance (JSA), Pension Credit (PC) or Carers Allowance (CA)

Benefits (Evidence Required)

Please enter a number greater than or equal to 0.

Child Tax Credit (CTC), Personal independence Payment (PIP), Employment & Support Allowance (ESA), or Disability Living Allowance (DLA) Pension Credit (PC) Adult Disability Payment (ADP)

Child Benefit

Please enter a number greater than or equal to 0.

Working Tax Credit (WTC)

Please enter a number greater than or equal to 0.

Bursary (Evidence Required)

Please enter a number greater than or equal to 0.

Total of Other Income Sources

No tax will be deducted from this figure, and evidence of income will be required.

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Tax Year 2024-25

Salary & Dividend Tax Calculator

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NI Rate (Primary Threshold to Upper Earning Limit) - Annual

Please enter a number greater than or equal to 0.

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NI Rate (Above Upper Earnings Limit) - Annual

Please enter a number greater than or equal to 0.

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NI Rate (Primary Threshold to Upper Earning Limit) - Weekly %

Please enter a number greater than or equal to 0.

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NI Rate (Above Upper Earnings Limit) - Weekly %

Please enter a number greater than or equal to 0.

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NI Rate (Above Upper Earnings Limit) - Weekly

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NI Rate (Primary Threshold to Upper Earning Limit) - Weekly

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Above Upper Earnings Limit - Primary Threshold to Upper Earning Limit

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Thresholds

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Tax Free Dividends

Please enter a number greater than or equal to 0.

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Basic Rate Limit

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Higher Rate Limit

Please enter a number greater than or equal to 0.

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Additional Rate

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TAKE HOME PAY CALCULATOR ----------------------- ADMIN VIEW ONLY

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Salary

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Dividends

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Total

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Personal Allowance

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Allowance Reduction Threshold

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Personal Allowance Reduction

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Applicable Personal Allowance

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Allowance is Zero From

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Total Annual Income inc. Dividends

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Annual Salary/Self-Employed Income

Minus pension income

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Deductions: National Insurance

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National Insurance Calculation

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NIC Income Basic

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NIC Income Higher

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Allowance

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Basic Rate

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Higher Rate

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Additional Rate

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Total: Allowance + Basic Rate + Higher Rate + Additional Rate

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Deductions: Salary Tax

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Tax Income Basic

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Tax Income Higher

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Tax Income Highest

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Deductions: Dividends

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Allowance for Dividend Calculation

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Dividend Allowance

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Dividend Basic Rate

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Dividend Higher Rate

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Dividend Additional Rate

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Dividend Tax Totals (Including Tax Free Dividend Allowance)

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Deductions

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National Insurance

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Salary Tax

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Dividend Tax

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Other Deductions After Tax

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Total Deductions

Net Income

Annual Net Income

Monthly Net Income

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Allowance Admin

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Allowance if Tax Code Used

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Allowance for Calculation

Would you like to add a second applicant?

Yes

Applicant 2

Applicant Information

Applicant Name

Is the tax code and number known?(Required)

Is the applicant above state retirement age?

The retirement status of the applicant(s) must be completed to ensure that National Insurance contributions and tax is correctly deducted.

Yes

Primary Income

Basic Gross Salary

Please enter a number greater than or equal to 0.

Income Frequency

Self-Employed (Share of Net Profits)

Please enter a number greater than or equal to 0.

Income Frequency

Self-Employed (Dividends)

Please enter a number greater than or equal to 0.

Income Frequency

Monthly Guaranteed Shift Allowance

Please enter a number greater than or equal to 0.

Monthly Guaranteed Car Allowance

Please enter a number greater than or equal to 0.

Monthly Guaranteed Rent Allowance/Town Allowance

Please enter a number greater than or equal to 0.

2nd Job (Same Industry)

Please enter a number greater than or equal to 0.

Income Frequency

Annual BTL Rental Income (3 or More Properties)

Please enter a number greater than or equal to 0.

SA302 Figure

Secondary Income

Monthly Regular Overtime

Please enter a number greater than or equal to 0.

Monthly Regular Shift Allowance

Please enter a number greater than or equal to 0.

Regular Bonus/Commission

Please enter a number greater than or equal to 0.

Income Frequency

2nd Job (Different Industry)

Please enter a number greater than or equal to 0.

Income Frequency

Annual BTL Rental Income (2 or Less Properties)

Please enter a number greater than or equal to 0.

SA302 Figure

Annual Pension/Investment Income

Personal/Occupational Pension

Please enter a number greater than or equal to 0.

State Retirement Pension

Please enter a number greater than or equal to 0.

Investment/Trust Income

Please enter a number greater than or equal to 0.

Monthly Deductions Before Tax

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Pension Contributions

Childcare Vouchers

Please enter a number greater than or equal to 0.

Other

Please enter a number greater than or equal to 0.

Monthly Deductions After Tax

Student Loan

Please enter a number greater than or equal to 0.

Other Non-Taxable Deductions

Please enter a number greater than or equal to 0.

E.g. cycle purchase schemes, Sharesave, Save As You Earn (SAYE) & benefit purchases

Monthly Other Non-Taxable Income

Maintenance (if by Court Order)

Two years minimum

Maintenance (if not by Court Order)

Two years minimum

Benefits (Evidence Required)

Universal Credit (UC), Attendance Allowance (AA), Constant Attendance Allowance (CAA), Job Seekers Allowance (JSA), Pension Credit (PC) or Carers Allowance (CA)

Benefits (Evidence Required)

Child Tax Credit (CTC), Personal independence Payment (PIP), Employment & Support Allowance (ESA), Disability Living Allowance (DLA), Pension Credit (PC) or Adult Disability Payment (ADP)

Child Benefit

Working Tax Credit (WTC)

Bursary (Evidence Required)

Total of Other Income Sources

No tax will be deducted from this figure, and evidence of income will be required.

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Tax Year 2022-23

Salary & Dividend Tax Calculator

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NI Rate (Primary Threshold to Upper Earning Limit) - Annual

Please enter a number greater than or equal to 0.

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NI Rate (Above Upper Earnings Limit) - Annual

Please enter a number greater than or equal to 0.

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NI Rate (Primary Threshold to Upper Earning Limit) - Weekly %

Please enter a number greater than or equal to 0.

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NI Rate (Above Upper Earnings Limit) - Weekly %

Please enter a number greater than or equal to 0.

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NI Rate (Above Upper Earnings Limit) - Weekly

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NI Rate (Primary Threshold to Upper Earning Limit) - Weekly

Please enter a number greater than or equal to 0.

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Above Upper Earnings Limit - Primary Threshold to Upper Earning Limit

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Thresholds

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Tax Free Dividends

Please enter a number greater than or equal to 0.

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Basic Rate Limit

Please enter a number greater than or equal to 0.

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Higher Rate Limit

Please enter a number greater than or equal to 0.

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Additional Rate

Please enter a number greater than or equal to 0.

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TAKE HOME PAY CALCULATOR ----------------------- ADMIN VIEW ONLY

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Salary

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Dividends

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Total

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Personal Allowance

Please enter a number greater than or equal to 0.

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Allowance Reduction Threshold

Please enter a number greater than or equal to 0.

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Personal Allowance Reduction

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Applicable Personal Allowance

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Allowance is Zero From

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Total Annual Income inc. Dividends

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Annual Salary/Self-Employed Income

Minus pension income

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Deductions: National Insurance

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NIC Income Basic

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NIC Income Higher

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Allowance

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Basic Rate

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Higher Rate

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Additional Rate

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Total: Allowance + Basic Rate + Higher Rate + Additional Rate

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Deductions: Salary Tax

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Tax Income Basic

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Tax Income Higher

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Tax Income Highest

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National Insurance Calculation

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Deductions: Dividends

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Allowance for Dividend Calculation

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Dividend Allowance

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Dividend Basic Rate

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Dividend Higher Rate

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Dividend Additional Rate

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Dividend Tax Totals (Including Tax Free Dividend Allowance)

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Deductions

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National Insurance

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Salary Tax

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Dividend Tax

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Other Deductions After Tax

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Total Deductions

Net Income

Annual Net Income

Monthly Net Income

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Allowance Admin

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Allowance if Tax Code Used

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Allowance for Calculation

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Combined Net Income

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Combined Annual Net Income

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Combined Monthly Net Income

Let to Buy Shortfall Calculator

Mortgage Payment

Rental Income

Shortfall

Committed Monthly Expenditure

Shared Ownership Rental Commitment

Please enter a number greater than or equal to 0.

Self-Build Residential Mortgage/Rent Commitment

Please enter a number greater than or equal to 0.

Let to Buy Shortfall

Loans & Hire Purchase Payments

Please enter a number greater than or equal to 0.

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Interest Rate (%)

Credit Card Balance

Please enter a number greater than or equal to 0.

Monthly Credit Card Expenditure (3% Interest Rate)

Child Maintenance Payments

Please enter a number greater than or equal to 0.

Own Lease, Maintenance, Ground Rent & Service Charges

Please enter a number greater than or equal to 0.

Interest-Only Repayment Strategy

Please enter a number greater than or equal to 0.

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Total Committed Expenditure - Monthly

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Total Committed Expenditure - Annual

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.

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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?

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Food & Drink

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Clothing

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Utilities (Gas, Electricity & Water)

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Household Goods & Repairs

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Transport

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Insurance

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Health

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Personal Transport (inc. Car Insurance)

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Communication (inc. Mobile Phone)

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Recreation

Food & Drink

Please enter a number greater than or equal to 0.

Clothing

Please enter a number greater than or equal to 0.

Utilities (Gas, Electricity & Water)

Please enter a number greater than or equal to 0.

Household Goods & Repairs

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.

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.

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Total Monthly Expenditure (ONS)

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Total Monthly Expenditure (They Type)

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Total Monthly Expenditure

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Total Annual Expenditure

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ONS or Their Data Lower?

Loan Details

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Average Retention Rate

Repayment Method

Capital Repayment

Amount

Loan Term in Years

Plus Months

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Loan Term (Years/12 + Months)

Product Rate (%)

Please enter a number greater than or equal to 0.

Loan Type

Product Term

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Is Five-Year Fixed?

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Loan Term

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Frequency

Product Monthly Payment

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CR: Product CMS Int

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CR: Stress Rate

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CR: Rep Stress CMS

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CR: IO Stress CMS

Interest-Only

Amount

Loan Term in Years

Plus Months

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Loan Term

Product Rate (%)

Please enter a number greater than or equal to 0.

Loan Type

Product Term

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Is Five-Year Fixed?

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IO: Rept CMS

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Stress Rate (%)

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IO: IO Stress CMS

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IO New Rep Stress

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IO: Rep Stress CMS

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Part & Part Total Product CMS

Loan Totals

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Total Interest-Only CMS

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Total Rept CMS

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Stress Rate (%)

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Stressed CMS

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Total IO Stress CMS

Total Loan Amount

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Total Product Monthly Payment

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Annual Budget Summary

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Total Annual Income After Tax

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Total Annual Spending

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Total Left Over

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Personal Income

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Disposable Monthly Income

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Less Mortgage Payment Per ESIS

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Less Mortgage Payment on Current Borrowing

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Net Disposable Monthly Income

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Free Income Based on Actual CMS (%)

Stress Testing on a Capital Repayment Basis

Stressed Monthly Repayment on the Total Borrowing

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New Total Rep Stress CMS

Free Income (%)

Capital Repayment or Part & Part

Stress Testing on the Loan Repayment Method

Stressed Monthly Repayment on the Total Borrowing

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Free Income Checker

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Applicants 80 or Over

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State Retirement Indicator

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Paid Salary/Self-Employed Income Indicator

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Total

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% Free Income Applied

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Affordability V107

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Free Income Pass/Refer/Decline

Affordability Results

Affordability Result: Pass

Affordability Result: Decline

Income Multiple x Gross Income

Maximum Income Multiple

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Is actual multiple bigger than the maximum income multiple?

0 is N/A 1 is Pass 2 is Fail

Result: Pass
Within permitted income multiple

Result: Decline
Exceeds permitted income multiple

Projected Future Affordability Calculator: Lending Into Retirement

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Interest Only Element

Years Until Retired

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Interest Only Element at Retirement

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Capital Repayment Projected Affordability at Retirement

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Projected Mortgage Balance at Retirement (Capital Repayment)

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Projected Mortgage Balance at Retirement (Interest Only)

Projected Mortgage Balance at Retirement

Projected Income Multiple

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Is Projected Income Multiple Greater Than SVR? (Retirement)

Repayment Method: Capital Repayment

Repayment Method: Interest Only

Repayment Method: Part & Part

Affordability Into Retirement: Pass

Affordability Into Retirement: Fail

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