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Assesment Type

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Annual Income Details

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Annual Deductions

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Monthly Commitments

5

Monthly Outgoing

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Results

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Mortgage Affordability Calculator

Please enable JavaScript in your browser in order to use the Affordability calculator

Assessment Type

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

Help

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

Required Loan Amount Known?

Please enter Loan Amount.

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Please select the region of your chosen property

Please enter Property Value.

Help

These are our Affordability Boost products

Please make a selection.

Please enter Deposit Amount.

Please enter a term.(1-40)

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?

Applicant 1

Please select employment type.

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.

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

Additional Income Details

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).

Help

Please include

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

Enter a number (zero or greater).

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).

Help

Please include

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

Enter a number (zero or greater).

Applicant 2

Please select employment type.

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.

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

Additional Income Details

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).

Help

Please include

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

Enter a number (zero or greater).

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).

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

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Applicant 2

Enter a number (zero or greater).

Enter a number (zero or greater).

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

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

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).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Applicant 2

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

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).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

Enter a number (zero or greater).

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

Help

This is the number of children living with you

Enter a number (zero or greater).

Please make a selection.

Help

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

Enter a number (zero or greater).

Household expenditure

Please add total expected monthly outgoings for all households.

This includes typical expenditure such as utilities, groceries, clothing and travel, and additional regular expenditure items such as private health care.

Enter a number (zero or greater).

Enter a number (zero or greater).

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
Lending is subject to affordability checks.

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.

Ready to talk to us?

Book a Decision in Principle appointment with one of our friendly mortgage team, who will review your affordability and start you on your home-buying journey.

Book an appointment

Lets talk

Speak to one of our friendly mortgage team about your options.

Contact us

Newcastle Building Society registered office 1 Cobalt Park Way, Wallsend, NE28 9EJ.
Tel: 0345 602 2338. e-mail: intermediary.lending@newcastle.co.uk
Newcastle Building Society is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Newcastle Building Society is registered on the Financial Services Register under the firm reference number 156058.
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