Lender-style affordability assessment for UK mortgage applications.
Applicant 1
Post-tax income, after pension, NI, and other deductions.
Include annual overtime, bonuses, and commission.
Select the applicable plan, or "None" if not applicable.
Applicant 2
Post-tax income, after pension, NI, and other deductions.
Include annual overtime, bonuses, and commission.
Select the applicable plan, or "None" if not applicable.
Estimated Monthly Fixed Costs
Provide full costs if applying jointly.
Include: Credit/store/catalogue debts, car finance, personal loans, student loans, hire purchase.
Exclude: Living expenses (food, clothing, entertainment, holidays) and fixed payments (gym/memberships, utilities, phone/broadband, council tax, childcare/school fees).
Estimated Savings
Provide full savings if applying jointly. Include: Cash, savings, accessible stocks/bonds, property equity.
Exclude: Pensions, retirement funds, vehicles, collectibles, illiquid assets.
Tip: Lenders may limit terms if applicants are over 75 at term end.
Represents assumed interest if rates rise. BOE base rate is 3.75%; lenders may stress-test at higher rates (e.g., 5%).
Results
Your Debt-to-Income ratio shows the % of gross monthly income used for essential costs. Lower values indicate stronger financial health and higher mortgage approval chances.
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