Affordability Calculator Playground

Affordability tool

This is the affordability calculator. It provides a quick and simple way to help your customers get an estimate of what they can afford. Have a play with it to see how it works!

How much can you afford to borrow?

Enter in a few details about your income and outgoings along with some property information. We’ll search through a pool of over 50 lenders to find an estimate of your mortgage affordability.

Property Details
Mortgage details
Income Details
Expenditure

Property Details

What region is the property in? *

Is the property a new build? *

Yes

Roughly, how much will the property cost? *

Please provide us with your deposit, this must be at least 10% of the property value.

Do you have a deposit? *

Yes

Your deposit should be at least 10% of the total property value. *

What type of mortgage do you need? *

Purchase

Remortgage

Mortgage details

Repayment: Amount borrowed and interest are paid monthly, reducing the balance.

Interest-Only: Interest is paid monthly, but the amount borrowed remains unchanged. You must repay this initial amount borrowed in full at the end.

How do you want to repay your mortgage? *

Repayment

Interest only

What type of buyer are you?

Home Mover

First Time Buyer

Please tell us the total term (length) you would like to take the mortgage over *

Applicant details

Who is taking out the mortgage? *

Me and someone else

What is your age? *

What is the age of applicant 1? *

What is the age of applicant 2? *

Do you have any financial dependants? *

Yes

How many dependants rely on your income?

Amount of dependants between ages 0 and 5

Amount of dependants between ages 6 and 11

Amount of dependants between ages 12 and 17

Amount of dependants over the age of 18

Income Details

What is your employment status? *

Employed

Self-employed

Director or shareholder

Homemaker

Retired

Student

Unemployed

Income Details - Applicant 1 - Contract Type

What type of contract do you have? *

Permanent

Fixed Term

Sub contractor (fixed term)

Sub contractor (open term)

Temporary

Income Details - Applicant 1 - Further details

How many years have you been trading?

How many months have you been at your job?

Time remaining current job

How much time is remaining on your current job? (in months)

Salary before tax

What is your gross annual base salary before tax?

What was your net profit (after tax deductions) for the past 3 tax years

Net profit for latest period

Net profit for previous period

Net profit for third last period

This includes income from any other source

Do you receive any additional income?

Yes

Income Details - Applicant 1 - Director or Shareholder

What percentage do you own of the business?

Shareholding

What was your gross salary (before tax deductions) for the last 3 tax years?

Gross salary for the latest period

Gross salary for the previous period

Gross salary for the third last period

What was your gross dividends for the last 3 tax years?

Gross dividends for the latest period

Gross dividends for the previous period

Gross dividends for the third last period

What was your net profit before dividends?

Net profit for the latest period

Net profit for the previous period

Net profit for the third last period

Income Details - Applicant 1 - Additional Income

How much additional income do you receive from work?

Bonus (annual amount) *

Commission (annual amount) *

Overtime (annual amount) *

Bank worth (annual amount) *

Bursary (annual amount) *

Stipend (annual amount) *

Car allowance (annual amount) *

Shift allowance (annual amount) *

Foster income (annual amount) *

Large town allowance (annual amount) *

London weighting (annual amount) *

How much additional income do you receive through government benefits?

Child benefit (annual amount) *

Child tax credits (annual amount) *

Working tax credits (annual amount) *

Carer allowance (annual amount) *

DLA or PIP (annual amount) *

Universal credits (annual amount) *

How much additional income do you receive from other services?

Lodger income (annual amount) *

Rental income (annual amount) *

Maintenance (annual amount) *

Investment income (annual amount) *

Pension income (annual amount) *

Income Details - Applicant 2 - Employment Status

What is your employment status? *

Employed

Self-employed

Director or shareholder

Homemaker

Retired

Student

Unemployed

Income Details - Applicant 2 - Contract Type

What type of contract do you have? *

Permanent

Fixed Term

Sub contractor (fixed term)

Sub contractor (open term)

Temporary

Income Details - Applicant 2 - Further details

How long have you been in the business?

How long have you been at your job?

How much time is remaining on your current job?

What is your gross annual base salary before tax?

What was your net profit (after tax deductions) for the past 3 tax years

Net profit for latest period

Net profit for previous period

Net profit for third last period

Do you receive any additional income?

Yes

Income Details - Applicant 2 - Director or Shareholder

What percentage do you own of the business?

Shareholding

What was your gross salary (before tax deductions) for the last three periods?

Gross salary for the latest period

Gross salary for the previous period

Gross salary for the third last period

What was your gross dividends for the last three periods?

Gross dividends for the latest period

Gross dividends for the previous period

Gross dividends for the third last period

What was your net profit before dividends?

Net profit for the latest period

Net profit for the previous period

Net profit for the third last period

Income Details - Applicant 2 - Additional Income

How much additional income do you receive from work?

Bonus (annual amount) *

Commission (annual amount) *

Overtime (annual amount) *

Bank worth (annual amount) *

Bursary (annual amount) *

Stipend (annual amount) *

Car allowance (annual amount) *

Shift allowance (annual amount) *

Foster income (annual amount) *

Large town allowance (annual amount) *

London weighting (annual amount) *

How much additional income do you receive through government benefits?

Child benefit (annual amount) *

Child tax credits (annual amount) *

Working tax credits (annual amount) *

Carer allowance (annual amount) *

DLA or PIP (annual amount) *

Universal credits (annual amount) *

How much additional income do you recieve from other services?

Lodger income (annual amount) *

Rental income (annual amount) *

Maintenance (annual amount) *

Investment income (annual amount) *

Pension income (annual amount) *

Expenditure

What credit commitments do you have?

Total outstanding credit card balance *

Total monthly payments for all credit commitments e.g. loans etc *

What other monthly deductions do you have?

Monthly student loan contribution *

Monthly pensions contribution *

Total monthly life assurance and private health premiums *

What is your monthly expenditure towards the household

Monthly child maintenance costs *

Monthly travel costs *

Monthly ground rent and service charge *

Buildings and content insurance *

What is the total amount of all other monthly outgoings?

Any other monthly expenses *

Expenditure - Applicant 2

What credit commitments do you have?

Total outstanding credit card balance *

Total monthly payments for all credit commitments e.g. loans etc *

What other montly deductions do you have?

Monthly student loan contribution *

Monthly pensions contribution *

Total monthly life assurance and private health premiums *

What is your monthly expenditure towards the household

Monthly child maintenance costs *

Monthly travel costs *

Monthly ground rent and service charge *

Buildings and content insurance *

What is the total amount of all other monthly outgoings?

Any other monthly expenses *

Your most likely offer

From what you've told us, you would need a mortgage of

After searching through our pool of mortgage deals we think your most likely offer will be:

Giving you a loan-to-value of %

Loan amount

My deposit

Your estimated mortgage repayments per month could be

This amount takes into account the size of the mortgage, interest rate from the lender, and the term of the contract - providing an indicative value as a result.

Contact my adviser Email my result

Have a play

Adjust your answers and see how affordability is affected.

Property value

Repayment term

My deposit

Update Reset

Your highest offer

Your lowest offer

Edit my answers

Property Details
Mortgage details
Income Details
Expenditure

Next steps

Now you've got an idea on what your mortgage affordability is. It's time to speak to one our expert mortgage advisers. They can provide you with personalised advice and guidance and work with you on the next steps of buying your next home.

Speak to an adviser

Not quite ready?

We can email you important updates on mortgage rates, new buyer schemes and initiatives. All geared to helping you getting on the property ladder or buying your next home.

Try editing your details

Amend property and deposit amounts or review your income and expenditures to see how any change could affect the loan amounts from the panel of lenders

Next steps

Our expert mortgage advisers can provide you with personalised advice and guidance and work with you in buying your next home or remortgaging your current property.

Speak to an adviser

Help me improve my affordability

We can email you important updates on mortgage rates, new buyer schemes and initiatives plus more. All geared to helping you getting on the property ladder or buying your next home.

About these results

We ran your data through a pool of over 50 lenders, and gathered the maximum and most likely mortgage amounts that these lenders would offer you.

If the amount you could borrow is less than what you need, consider reducing your property value or increasing your deposit.

Try increasing and decreasing some of your income and expenditures to see how changing your situation effects the result.

Next steps

1. Help me improve my affordability

We can email you important updates on mortgage rates, new buyer schemes and initiatives plus more. All geared to helping you getting on the property ladder or buying your next home.

2. Download the MyMab App

Our MyMAB App has tools and articles to help you get mortgage ready. Download and register for full access.

Learn more

Sorry, we haven't been able to show you a result

Try editing some details above and resubmitting the request.

We can still help

As well as looking at your affordability, our expert mortgage advisers can provide you with personalised advice and guidance based on your situation.

Speak to an adviser

Not quite ready?

We can email you important updates on mortgage rates, new buyer schemes and initiatives plus more. All geared to helping you getting on the property ladder or buying your next home.

Loading

Submitting your request...

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Last Name

Contact number

Yes, I would like to receive email marketing updates from Mortgage Advice Bureau

Which of these options describes you best?

Message:

By clicking “Submit” you agree for Mortgage Advice Bureau to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Email my results

Interesting in saving your result? Enter your details below and we'll send you this information within an email.

Make sure you check the tick box to stay up to date with the latest mortgage information.

Submitting your request...

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Last name

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Yes, I would like to receive email marketing updates from Mortgage Advice Bureau

Submitting your request...

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Affordability tool widget

Below is an example of how you can place a embed widget of the affordability tool on your website. The tool would be sat within your website content, nested in your site.

Title of your content goes here

Here is some text you may have on your website.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

How much can you afford to borrow?

Enter in a few details about your income and outgoings along with some property information. We’ll search through a pool of over 50 lenders to find an estimate of your mortgage affordability.

Property Details
Mortgage details
Income Details
Expenditure

Property Details

What region is the property in? *

Is the property a new build? *

Yes

Roughly, how much will the property cost? *

Please provide us with your deposit, this must be at least 10% of the property value.

Do you have a deposit? *

Yes

Your deposit should be at least 10% of the total property value. *

What type of mortgage do you need? *

Purchase

Remortgage

Mortgage details

Repayment: Amount borrowed and interest are paid monthly, reducing the balance.

Interest-Only: Interest is paid monthly, but the amount borrowed remains unchanged. You must repay this initial amount borrowed in full at the end.

How do you want to repay your mortgage? *

Repayment

Interest only

What type of buyer are you?

Home Mover

First Time Buyer

Please tell us the total term (length) you would like to take the mortgage over *

Applicant details

Who is taking out the mortgage? *

Me and someone else

What is your age? *

What is the age of applicant 1? *

What is the age of applicant 2? *

Do you have any financial dependants? *

Yes

How many dependants rely on your income?

Amount of dependants between ages 0 and 5

Amount of dependants between ages 6 and 11

Amount of dependants between ages 12 and 17

Amount of dependants over the age of 18

Income Details

What is your employment status? *

Employed

Self-employed

Director or shareholder

Homemaker

Retired

Student

Unemployed

Income Details - Applicant 1 - Contract Type

What type of contract do you have? *

Permanent

Fixed Term

Sub contractor (fixed term)

Sub contractor (open term)

Temporary

Income Details - Applicant 1 - Further details

How many years have you been trading?

How many months have you been at your job?

Time remaining current job

How much time is remaining on your current job? (in months)

Salary before tax

What is your gross annual base salary before tax?

What was your net profit (after tax deductions) for the past 3 tax years

Net profit for latest period

Net profit for previous period

Net profit for third last period

This includes income from any other source

Do you receive any additional income?

Yes

Income Details - Applicant 1 - Director or Shareholder

What percentage do you own of the business?

Shareholding

What was your gross salary (before tax deductions) for the last 3 tax years?

Gross salary for the latest period

Gross salary for the previous period

Gross salary for the third last period

What was your gross dividends for the last 3 tax years?

Gross dividends for the latest period

Gross dividends for the previous period

Gross dividends for the third last period

What was your net profit before dividends?

Net profit for the latest period

Net profit for the previous period

Net profit for the third last period

Income Details - Applicant 1 - Additional Income

How much additional income do you receive from work?

Bonus (annual amount) *

Commission (annual amount) *

Overtime (annual amount) *

Bank worth (annual amount) *

Bursary (annual amount) *

Stipend (annual amount) *

Car allowance (annual amount) *

Shift allowance (annual amount) *

Foster income (annual amount) *

Large town allowance (annual amount) *

London weighting (annual amount) *

How much additional income do you receive through government benefits?

Child benefit (annual amount) *

Child tax credits (annual amount) *

Working tax credits (annual amount) *

Carer allowance (annual amount) *

DLA or PIP (annual amount) *

Universal credits (annual amount) *

How much additional income do you receive from other services?

Lodger income (annual amount) *

Rental income (annual amount) *

Maintenance (annual amount) *

Investment income (annual amount) *

Pension income (annual amount) *

Income Details - Applicant 2 - Employment Status

What is your employment status? *

Employed

Self-employed

Director or shareholder

Homemaker

Retired

Student

Unemployed

Income Details - Applicant 2 - Contract Type

What type of contract do you have? *

Permanent

Fixed Term

Sub contractor (fixed term)

Sub contractor (open term)

Temporary

Income Details - Applicant 2 - Further details

How long have you been in the business?

How long have you been at your job?

How much time is remaining on your current job?

What is your gross annual base salary before tax?

What was your net profit (after tax deductions) for the past 3 tax years

Net profit for latest period

Net profit for previous period

Net profit for third last period

Do you receive any additional income?

Yes

Income Details - Applicant 2 - Director or Shareholder

What percentage do you own of the business?

Shareholding

What was your gross salary (before tax deductions) for the last three periods?

Gross salary for the latest period

Gross salary for the previous period

Gross salary for the third last period

What was your gross dividends for the last three periods?

Gross dividends for the latest period

Gross dividends for the previous period

Gross dividends for the third last period

What was your net profit before dividends?

Net profit for the latest period

Net profit for the previous period

Net profit for the third last period

Income Details - Applicant 2 - Additional Income

How much additional income do you receive from work?

Bonus (annual amount) *

Commission (annual amount) *

Overtime (annual amount) *

Bank worth (annual amount) *

Bursary (annual amount) *

Stipend (annual amount) *

Car allowance (annual amount) *

Shift allowance (annual amount) *

Foster income (annual amount) *

Large town allowance (annual amount) *

London weighting (annual amount) *

How much additional income do you receive through government benefits?

Child benefit (annual amount) *

Child tax credits (annual amount) *

Working tax credits (annual amount) *

Carer allowance (annual amount) *

DLA or PIP (annual amount) *

Universal credits (annual amount) *

How much additional income do you recieve from other services?

Lodger income (annual amount) *

Rental income (annual amount) *

Maintenance (annual amount) *

Investment income (annual amount) *

Pension income (annual amount) *

Expenditure

What credit commitments do you have?

Total outstanding credit card balance *

Total monthly payments for all credit commitments e.g. loans etc *

What other monthly deductions do you have?

Monthly student loan contribution *

Monthly pensions contribution *

Total monthly life assurance and private health premiums *

What is your monthly expenditure towards the household

Monthly child maintenance costs *

Monthly travel costs *

Monthly ground rent and service charge *

Buildings and content insurance *

What is the total amount of all other monthly outgoings?

Any other monthly expenses *

Expenditure - Applicant 2

What credit commitments do you have?

Total outstanding credit card balance *

Total monthly payments for all credit commitments e.g. loans etc *

What other montly deductions do you have?

Monthly student loan contribution *

Monthly pensions contribution *

Total monthly life assurance and private health premiums *

What is your monthly expenditure towards the household

Monthly child maintenance costs *

Monthly travel costs *

Monthly ground rent and service charge *

Buildings and content insurance *

What is the total amount of all other monthly outgoings?

Any other monthly expenses *

Your most likely offer

From what you've told us, you would need a mortgage of

After searching through our pool of mortgage deals we think your most likely offer will be:

Giving you a loan-to-value of %

Loan amount

My deposit

Your estimated mortgage repayments per month could be

This amount takes into account the size of the mortgage, interest rate from the lender, and the term of the contract - providing an indicative value as a result.

Contact my adviser Email my result

Have a play

Adjust your answers and see how affordability is affected.

Property value

Repayment term

My deposit

Update Reset

Your highest offer

Your lowest offer

Edit my answers

Property Details
Mortgage details
Income Details
Expenditure

Next steps

Speak to an adviser

Not quite ready?

We can email you important updates on mortgage rates, new buyer schemes and initiatives. All geared to helping you getting on the property ladder or buying your next home.

Try editing your details

Amend property and deposit amounts or review your income and expenditures to see how any change could affect the loan amounts from the panel of lenders

Next steps

Our expert mortgage advisers can provide you with personalised advice and guidance and work with you in buying your next home or remortgaging your current property.

Speak to an adviser

Help me improve my affordability

We can email you important updates on mortgage rates, new buyer schemes and initiatives plus more. All geared to helping you getting on the property ladder or buying your next home.

About these results

We ran your data through a pool of over 50 lenders, and gathered the maximum and most likely mortgage amounts that these lenders would offer you.

If the amount you could borrow is less than what you need, consider reducing your property value or increasing your deposit.

Try increasing and decreasing some of your income and expenditures to see how changing your situation effects the result.

Next steps

1. Help me improve my affordability

We can email you important updates on mortgage rates, new buyer schemes and initiatives plus more. All geared to helping you getting on the property ladder or buying your next home.

2. Download the MyMab App

Our MyMAB App has tools and articles to help you get mortgage ready. Download and register for full access.

Learn more

Sorry, we haven't been able to show you a result

Try editing some details above and resubmitting the request.

We can still help

As well as looking at your affordability, our expert mortgage advisers can provide you with personalised advice and guidance based on your situation.

Speak to an adviser

Not quite ready?

We can email you important updates on mortgage rates, new buyer schemes and initiatives plus more. All geared to helping you getting on the property ladder or buying your next home.

Loading

Submitting your request...

First Name

Last Name

Contact number

Yes, I would like to receive email marketing updates from Mortgage Advice Bureau

Which of these options describes you best?

Message:

Email my results

Interesting in saving your result? Enter your details below and we'll send you this information within an email.

Make sure you check the tick box to stay up to date with the latest mortgage information.

Submitting your request...

First name

Last name

Email Address

Yes, I would like to receive email marketing updates from Mortgage Advice Bureau

Submitting your request...

Back Back Next