Show Calculator

Sample Calculation

Please be aware, your results are only an estimate and should not be considered as a mortgage quote.

  • Property Value

  • Mortgage Required

  • Interest rate (%)

  • Mortgage period (year)

  • Monthly payments

Calculate

  • Step 1 - Mortgage Type

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  • Step 2 - Property & Calculation

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  • Step 3 - Your Details

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  • Step 4 - Employment

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  • Step 5 - Your Finances

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Step 2

The price or the property you wish to purchase or the value of your existing property.
The amount of funds you have available to put down as a deposit on your purchase or the equity that you have in your existing property.
The gross income that you receive from renting out property
The repayment method that you would prefer, either capital and interest (repayment) where your mortgage debt is reducing with every payment and will be repaid at the end of the term or interest only, where you are only paying the interest on the mortgage and will have the full mortgage outstanding at the end of the term.
If you would like to increase your mortgage and borrow additional funds, please let us know how much you would like to increase your mortgage by.
If your existing mortgage was taken on an incentive interest rate you may have a penalty to pay, if you repay your mortgage early. If you know what this penalty is please tell us the amount you would need to pay and the date this penalty expires. Please note that if you are unsure, we can provide further advice.
Single AST. Property let on 1 tenancy agreement. With all occupants named on that tenancy.
HMO. House of multiple occupation. Property let to multiple occupants all with their own tenancy agreement on a room by room basis.
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Step 3

The number of children or financial dependents that you have.
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Step 4

If you also receive, commission, bonus, overtime, allowances please estimate approximately how much you receive from these per year.
What percentage of the business you own
The amount of dividends that you received in the latest tax year and declared on your personal tax return
This is the company net profit on your accounts, after all expenses and deductions, but before tax
What percentage of the business you own
This is your profit after all deductions but before tax, and is the figure that your Accountant uses to calculate your tax bill for your most recent year
This is your profit after all deductions but before tax, and is the figure that you Accountant uses to calculate your tax bill for your previous tax year
If you also receive, commission, bonus, overtime, allowances please estimate approximately how much you receive from these per year.
What percentage of the business you own
The amount of dividends that you received in the latest tax year and declared on your personal tax return
This is the company net profit on your accounts, after all expenses and deductions, but before tax
What percentage of the business you own
This is your profit after all deductions but before tax, and is the figure that your Accountant uses to calculate your tax bill for your most recent year
This is your profit after all deductions but before tax, and is the figure that you Accountant uses to calculate your tax bill for your previous tax year
Next

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Step 5

Do you have any of the following

This is a credit agreement where you make lower initial payments and then often have a final lump sum to repay at the end of the term.
If you have ever missed any payments on any credit agreements, or defaulted on a credit agreement or had a county court judgement or entered into a voluntary arrangement with creditors (IVA) please tick yes.
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Summary

  • Step 1 - Mortgage Type

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    • Mortgage Type

    • Property Type

    • Buyer Type

  • Step 2 - Property & Calculation

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    • Property Valuation

    • Outstanding Mortgage

    • Purchase Price

    • Deposit available

    • Proposed Rental Income

    • Mortgage Type

    • Selling Existing Property

    • Sale Price of Existing Property

    • Current Mortgage Outstanding

    • Current Lender

    • Any Additional Borrowing

    • Additional Borrowing Value

    • Additional Borrowing Reason

    • Do you own any other BTL properties

    • Number of BTL Properties

    • Loan Term Required

    • Existing Penalty

    • Approx How Much (Penalty)

    • Date Expires (Penalty)

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    • Rental Income Received

    • Type Of Tenancy

  • Step 3 - Your Details

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    • Application Type

    • Relationship

    • Account Holder Name

    • Date of Birth

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    • Email Address

    • Address First Line

    • Second Line

    • Third Line

    • Town

    • Postcode

    • Contact Number

    • Dependants

    • Years at Address

    • Previous Address

    • Previous Address

    • Previous Address

    • Previous Town

    • Previous Postcode

    • Time at Previous Address

    • Second Account Holder

    • Date of Birth

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    • Email Address

    • Address First Line

    • Second Line

    • Third Line

    • Town

    • Postcode

    • Contact Number

    • Dependants

    • Years at Address

    • Previous Address

    • Previous Address

    • Previous Address

    • Previous Town

    • Previous Postcode

    • Time at Previous Address

  • Step 4 - Employment

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    • Employment Status

    • Self Employed Job

    • Occupation

    • Basic Salary

    • Any extra income

    • Time with employer

    • Ownership % value

    • Number of Years Trading

    • Latest Salary Amount

    • Latest Salary Year

    • Previous Salary Amount

    • Previous Salary Year

    • Latest Dividends Amount

    • Latest Dividends Year

    • Previous Dividends Amount

    • Previous Dividends Year

    • Company Net Profit

    • Percent Value

    • Latest Profit Amount

    • Latest Profit Year

    • Previous Profit Amount

    • Previous Profit Year

    • Number of Previous Contracts

    • Start Date

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    • End Date

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    • Day Rate

  • Step 5 - Your Finances

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    • Paid Off Loan Prior To New Loan

    • Credit Card Paid Off Prior To New Loan

    • Hire Purchase Paid Off Prior To New Loan

    • Any Adverse Credit

    • Adverse Credit Type

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