Mortgages | Mortgage Eligibility Checker
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Your date of birth
We are happy to accept applications from up to 4 people. If there are more than 2 applicants, we just need the details of the two highest earners.
If this mortgage will be in joint names, your answer should include the total number of properties where either party is named on the mortgage.
A property is an 'HMO' if it is rented out by at least 3 tenants who are not from 1 household (e.g. not part of a family) and requires a council licence.
House, semi-detached - a pair of properties joined together by one common wallHouse, detached - a free standing house with no other properties touching its exterior wallsHouse, terraced - a row of houses sharing their side walls with each otherBungalow - a single level property (in some instances upper rooms may be set in the roof space)Flat - a self contained unit in a larger building with its own entrance from a shared hallway or staircaseMaisonette - a multi level property within a larger building with its own separate entrance
Remember to deduct costs like stamp duty, solicitor's fees, and renovation.
Based on the details you have provided, it is unlikely we will be able to offer you the full loan size you have asked for. If you provide us with details of your personal expenditure and property portfolio we can take this into account and it often increases how much we can lend you.
You can proceed without doing this, but you won't increase the amount we could lend you.
Where personal income is used for affordability, a minimum combined gross income of £50,000 is required.
Remember to deduct costs like stamp duty, solicitor's fees, and moving costs.
The longer your mortgage term, the lower your monthly payments will be, but you'll pay more interest overall. The shorter your mortgage term, the higher the monthly payments, but you'll pay less interest overall.
Please note: You must have permission from the 2nd applicant to enter their details. Up to four people can apply. Please input the details of the two highest wage earners.
Please note, you and other applicants (if applicable) must jointly earn at least £25,000 per year excluding rental income received from buy-to-let properties. Where personal income is used for affordability, a minimum combined gross income of £50,000 is required.
Please select Self Employed if your main source of income is from: a company of which you own 20%+; or being a partner in a large LLP; or being a sole trader
Please include any disability benefit income. However, we wouldn't be able to accept any other benefits or tax credits. If there is no income, please enter 0.
e.g. bonus, commission, second jobs or overtime
Please tell us about any financial commitments.
A dependant is someone who is financially dependent on you, e.g. your partner (unless named as a joint applicant) or your children.
A dependant is someone who is not named on your mortgage but is supported financially by you, e.g. your partner (unless named as a joint applicant) or your children.
We just need to know the specific costs listed, so please don't enter basics like food, clothing etc. If you have none, please enter 0.
Enter '0' if not applicable.
For example car loans or hire purchase agreements. Enter '0' if not applicable.
Please tell us about any expenses this applicant will still have when the new mortgage begins.
