Notices

Our new 1 Year Fixed Rate Bond (71) pays 4.88% Gross AER on balances of £10,000+. Apply online today.
Our Online Saver (12), pays 4.15% Gross AER on balances of £100+. Apply online today.
Mortgage products - Important changes to our mortgages for new and existing customers (04/09/26) - More details

Due to significant increases in swap rates, we've temporarily withdrawn all of our fixed rate mortgage products from sale today, 4 September 2026, with immediate effect. For more information about swap rates and how they can affect mortgage pricing, see our A-Z Mortgage jargon buster.
We recognise the importance of fixed rate options and are working to introduce a new range of fixed rate mortgage products as soon as it is possible.
Online Service update - Due to essential maintenance, our Online Service will be unavailable between 8am and 4pm on Sunday 6 September. We apologise for any inconvenience this may cause.

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.

Whether you’re a first-time buyer or moving home, our quick and easy to use mortgage affordability calculator gives you a quick estimate of how much you might be able to borrow for your next home.

Taking into account your income, outgoings and how long you want to have the mortgage for, our calculator helps to give you a clearer idea of your mortgage borrowing potential.

This calculator is for illustrative purposes only. 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.

Any questions?

If you have any questions or would like to speak to one of our friendly mortgage advice team about your options:

Call us on 03330 140146 Ask us to call back Email us

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 * (£)

Need more information?

We’ve created a range of mortgage guides that can give you helpful information about how mortgages work and things to consider. Our guides cover what you need to know if you're a first time buyer up to a last time buyer.

Read our mortgage guides