Notices

We have increased the interest rate of our Online Saver, which now pays 4.52% AER on balances of £100+. Find out more

The Online Saver (8) interest rate has increased to 4.52%. Click here to find out more and apply.
Important changes to our mortgage products - Find out more.

Mortgage products - On Thursday 30 January 2025, we made changes to our mortgage product range. This included adjustments across our Fixed Rate products for Owner Occupier Interest-Only, as well as Buy to Let.
The maximum LTV has now increased from 70% to 75% for all UK Landlord (including Offset), Limited Company, Expat Buy to Let products, with Multi-Unit Freehold Blocks (MUFBs) continuing to be capped at 70%.
Our Market Tracker Saver (1) paying 4.50% AER and Market Tracker Cash ISA (2) paying 4.55% AER are now back on sale. Find out more here
Our new 1 Year Fixed Rate Bond (52) paying 4.76% AER on balances of £10,000+ is now on sale. Exclusively online only. Find out more here

Affordability calculator

See how much you could borrow with our fixed rate, discounted rate or family-assisted mortgages.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

This calculator is for illustrative purposes only and is based on your income, outgoings and how long you want to have the mortgage for. It is not a mortgage offer or guarantee of receiving a mortgage offer.

We have a separate calculator if you want to see how much you can borrow for a Buy to Let mortgage.

All fields marked '*' are required

Mortgage information

How many are applying for the mortgage? *

What mortgage term would you like? * (years)

Financial dependants aged under 14 in the property *

Financial dependants aged between 14 and 18 in the property *

What type of mortgage do you want? *

What fixed rate term would you like? * (years)

Where are you buying your property? *

Applicant 1 information

Earnings

Are you of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 2 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 3 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 4 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)