Assesment Type

Annual Income Details

Annual Deductions

Monthly Commitments

Monthly Outgoing

Results

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Mortgage Affordability Calculator

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Assessment Type

Note: fields marked as * are required to complete the affordability calculation.

Reference No.

Help

This is optional, and for your own use to help identify your individual case.

Loan Type

Required Loan Amount Known?

Yes
No

Help to Buy / Special Scheme

Help to Buy Equity Amount*

Help

If the Help to Buy Equity Amount entered exceeds the maximum allowed for the scheme, then this will be capped at the maximum figure.

Please enter Help to Buy Equity Amount.

Loan Amount*

Please enter Loan Amount.

Property Region

Help

Please select the region of your chosen property

Property Value*

Please enter Property Value.

Will the mortgage be on a long term fixed rate?*

Help

i.e. 5 years or more

Please make a selection.

Deposit Amount*

Please enter Deposit Amount.

Mortgage Term*

Please enter a term.(1-40)

Repayment Basis

Interest Only Amount*

Please enter Interest Only Amount.

Annual Income Details

The affordability assessment can be performed on Single or Joint applicants using the appropriate selection. Should the application consist of more than two applicants, you should enter the details of the two applicants with the highest disposable income.

Sole or joint?

Sole Joint

Applicant 1

Employment Status*

Please select employment type.

Basic Annual Income (before tax)*

Help

Please confirm your salary. This is referred to as remuneration within business accounts. Please add any additional income such as Dividends (net of any income tax paid) into the additional income section below. Where your shareholding in the company is greater than 15% we also require sight of last 2 years accounts in addition to proof of personal income via payslips/SA302s for dividends

Value should be between 0 and 100,000,000.

Additional Income Details

Other Primary Annual Income (Taxable)

Help

Please include

Large City / Area Allowance
Car Allowance
Mortgage Subsidy
Housing Allowance
State Pension
Shift Allowance (guaranteed)
Private Pension Income
Rental Income
Other Primary Taxable Income

Enter a number (zero or greater).

Other Primary Annual Income (Non-Taxable)

Help

Please include

Dividends
Other Non-taxable Primary Income
Maintenance Payments (non-taxable)
Pension Credit
Guaranteed for Life DWP (non-taxable)

Enter a number (zero or greater).

Secondary Annual Income (Taxable)

Help

Please include

Regular Overtime
Other Taxable Secondary Income
Regular Bonus / Commission
Regular Shift Allowance (non-guaranteed)
2nd Job
Territorial Armed Forces pay

Enter a number (zero or greater).

Secondary Annual Income (Non-Taxable)

Help

Please include

Working tax credit / Family tax credit
Other non-taxable Secondary Income

Enter a number (zero or greater).

Applicant 2

Employment Status*

Please select employment type.

Basic Annual Income (before tax)*

Help

Value should be between 0 and 100,000,000.

Additional Income Details

Other Primary Annual Income (Taxable)

Help

Please include

Large City / Area Allowance
Car Allowance
Mortgage Subsidy
Housing Allowance
State Pension
Shift Allowance (guaranteed)
Private Pension Income
Rental Income
Other Primary Taxable Income

Enter a number (zero or greater).

Other Primary Annual Income (Non-Taxable)

Help

Please include

Dividends
Other Non-taxable Primary Income
Maintenance Payments (non-taxable)
Pension Credit
Guaranteed for Life DWP (non-taxable)

Enter a number (zero or greater).

Secondary Annual Income (Taxable)

Help

Please include

Regular Overtime
Other Taxable Secondary Income
Regular Bonus / Commission
Regular Shift Allowance (non-guaranteed)
2nd Job
Territorial Armed Forces pay

Enter a number (zero or greater).

Secondary Annual Income (Non-Taxable)

Help

Please include

Working tax credit / Family tax credit
Other non-taxable Secondary Income

Enter a number (zero or greater).

Annual Deductions

This page of the assessment captures the annual deductions per applicant taken from the salary.

Applicant 1

Childcare Vouchers

Enter a number (zero or greater).

Bike to Work Scheme

Enter a number (zero or greater).

Other

Enter a number (zero or greater).

Applicant 2

Childcare Vouchers

Enter a number (zero or greater).

Bike to Work Scheme

Enter a number (zero or greater).

Other

Enter a number (zero or greater).

Monthly Commitments

This page of the assessment captures the monthly commitments per applicant. Please detail any commitments that will be in place after the start of the new mortgage. Exclude any commitments with less than six months to run.

Applicant 1

Car Finance

Enter a number (zero or greater).

Child Maintenance

Enter a number (zero or greater).

Secured Loan

Enter a number (zero or greater).

Unsecured Loan

Enter a number (zero or greater).

Second Mortgage

Enter a number (zero or greater).

Student Loan

Enter a number (zero or greater).

Rent

Help

Please declare here any monthly rent that will be paid by any of the applicants after this mortgage has completed. For example, if you live in a rented flat near your workplace during the week, and will return to the mortgaged property at weekends.

Enter a number (zero or greater).

Mail Order/Storecard (Current Balance)

Enter a number (zero or greater).

Credit card (Current Balance)

Enter a number (zero or greater).

Ground Rent/Service Charges

Enter a number (zero or greater).

Shared Ownership Rent

Enter a number (zero or greater).

Applicant 2

Car Finance

Enter a number (zero or greater).

Child Maintenance

Enter a number (zero or greater).

Secured Loan

Enter a number (zero or greater).

Unsecured Loan

Enter a number (zero or greater).

Second Mortgage

Enter a number (zero or greater).

Student Loan

Enter a number (zero or greater).

Rent

Help

Enter a number (zero or greater).

Mail Order/Storecard (Current Balance)

Enter a number (zero or greater).

Credit card (Current Balance)

Enter a number (zero or greater).

Ground Rent/Service Charges

Enter a number (zero or greater).

Shared Ownership Rent

Enter a number (zero or greater).

Monthly Outgoings

Please detail the combined monthly outgoings for all applicants. Please enter only those outgoings that will be in place after the start of the new mortgage.

Household Composition

Number of children aged 0-13 years, that will live in your household:*

Help

This is the number of children living with you

Enter a number (zero or greater).

Does the applicant receive Child Benefit?* Do you receive Child Benefit?*

Please make a selection.

Number of financial dependants aged 14 and over, that will live in your household:*

Help

This is the number of Financial dependants over the age of 14 living with you

Enter a number (zero or greater).

Basic Essentials

Food and Drink*

Help

This is the amount of money spent on food and drink, excluding eating out

Enter a number (zero or greater).

Council Tax*

Enter a number (zero or greater).

Utilities*

Help

Gas, Electric, Oil, Water

Enter a number (zero or greater).

Household Insurances*

Help

This is the amount of money spent on Buildings and Contents, Mobile, Health/Dental

Enter a number (zero or greater).

Travel Expenses*

Help

Fuel, Insurance, Tax, Public Transport, Commuting Costs

Enter a number (zero or greater).

Communications*

Help

This is the amount of money spent on Mobile Phone, Broadband, Landlines, TV Licences

Enter a number (zero or greater).

Quality of Living

Clothing and Footwear*

Enter a number (zero or greater).

Household Goods and Services*

Help

This is the amount of money spent on Furnishings, Household Appliances, Maintenance

Enter a number (zero or greater).

Recreation*

Help

This is the amount of money spent on Hobbies, Eating Out, Memberships, Pets

Enter a number (zero or greater).

Childcare*

Help

This is the amount of money spent on Nursery, Education costs, Childcare costs, Private Education

Enter a number (zero or greater).

Other

Enter a number (zero or greater).

Back

Affordability Assessment Result

An error has occured and we are unable to process your affordability assessment. Please try again later.

If the issue persists please call our Mortgage Support team on 0345 606 4488. Our lines and live chat are open 9am - 5pm Monday to Friday.

If the issue persists you can call our Intermediary Support team on 0345 602 2338. Our lines and live chat are open 9am - 6pm Monday to Friday.
Or email us at intermediary.lending@newcastle.co.uk

Total Requested Borrowing

LTV of Property Value

Deposit/Equity

Max LTV Under Current Policy

Term Of Loan (Years)

Based on the details you have provided we would lend you

Based on what you can afford the maximum we would lend you

Based on the information you have provided the maximum we would lend you is

The application and assessment of affordability is for guidance purposes only and subject to our wider lending policy. We may therefore be unable to proceed with the amount requested, or the application.

For a more detailed affordability assessment please register for our new online decision in principle system.

If the calculator provides a lower amount than that requested and you would wish to discuss further please contact our Intermediary Services Support team on 0345 602 2338.

Next steps

The calculator only provides an indication of how much we are prepared to lend you. So whether your results match your expectations or not, to be absolutely certain about how much you can borrow, you will need to complete a formal application.
Get started by calling the number below or booking an appointment.

Want to apply now? Call our mortgages team on: 0333 242 8626*

* 8am - 8pm Monday to Friday and Saturday 9am - 3pm (Calls to 03 numbers cost the same as a call to a standard ‘01’ or ‘02’ landline number, even when calling from a mobile.).