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Mortgage Affordability Calculators

In assessing the maximum loan amount a client can have each lender has some type of affordability calculator. This looks at the different types of income, the age of the client, term of the mortgage, outgoings and dependents. How much of the income used can be found on the criteria of the lender, some use 100% but others such as state benefits can be reduced to 50%.

Each lender will have a different view on the clients they are trying to attract and therefore it is not unusual to get a different maximum loan from various different lenders. We will look at Abbey for Intermediaries, Halifax for intermediaries, Platform home loans, Coventry/Godiva, The mortgage Works, Woolwich/Barclays, Virgin Money, Natwest, Nationwide, Skipton, Birmingham Midshires and the Newbury – to name a few.

Below there’s a few lenders affordability calculators with lending criteria our brokers visit to determine what the clients maximum loan is. They compare the affordability calculators to get a feel for the lenders before looking at the lenders products and fees.

Think carefully before securing any other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.


Abbey Affordability Calculator Abbey Lending Criteria


Accord Affordability Calculator Accord Lending Criteria


Each case individually assessed Aldermore Lending Criteria

Bank of China

Each case individually assessed Bank of China Lending Criteria


Clydesdale Bank Affordability Calculator Clydesdale Bank Lending Criteria


Coventry Affordability Calculator Coventry Lending Criteria


Halifax Affordability Calculator Halifax Lending Criteria

Harpenden Building Society

Harpenden Affordability Calculator Harpenden Lending Criteria

Kent Reliance

Kent Reliance Affordability Calculator Kent Reliance Lending Criteria

Leeds Building Society

Leeds Affordability Calculator Leeds Lending Criteria

Manchester Building Society

Each case individually assessed Manchester Building Society Lending Criteria

Marsdens Building Society

Marsdens Affordability Calculator Marsdens Lending Criteria

Mortgage Trust

Each case individually assessed Mortgage Trust Lending Criteria


Nationwide Affordability Calculator Nationwide Lending Criteria


Natwest Affordability Calculator Natwest Lending Criteria

Newbury Building Society

Newbury Affordability Calculator Newbury Lending Criteria

Paragon Mortgages

Each case individually assessed Paragon Mortgages Lending Criteria

Platform logo

Platform Affordability Calculator Platform Lending Criteria

Precise Mortgages

Each case individually assessed Precise Mortgages Lending Criteria

Scottish Widows

Scottish Widows Affordability Calculator Scottish Widows Lending Criteria

Skipton Building Society

Skipton Affordability Calculator Skipton Lending Criteria

Virgin Money

Virgin Money Affordability Calculator Virgin Money Lending Criteria

West Bromwich Building Society

West Bromwich Affordability Calculator West Bromwich Lending Criteria


Woolwich Affordability Calculator Woolwich Lending Criteria

On clicking the above links you will leave the regulated site of Bright Money Independent Ltd. Neither Bright Money Independent Ltd, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.

You can choose how Bright Money Independent Ltd are paid for mortgages; typically we do not charge however, you can pay a fee, usually 1% of the loan amount,
in cases that more work is required we may agree a fee upfront before any work is undertaken.
For Equity Release we are typically paid by the lender, however we offer a fee only service which is 1.5% of the loan amount.
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