Affordability calculator

Find out how much your client could borrow

Latest version 23/11/2016

Mortgage details

Please select single or joint.

Please select yes if any applicant has ever owned a property in the UK or abroad.

Please select yes or no.

Please enter a value between 0 and 20.

We don't lend above any applicant's intended retirement age. The maximum age at maturity is 75. The maximum term is 35 years.

Please enter the amount required on interest only.

Please enter or amend the interest only amount.

£
Our maximum loan term is 35 years. If any part of the loan is on interest only where sale of mortgaged property is used as the repayment vehicle, our maximum term is 25 years. Our minimum term is five years.

Our maximum loan term is 35 years. If any part of the loan is on interest only where sale of mortgaged property is used as the repayment vehicle, our maximum term is 25 years. Our minimum term is five years.

Please enter the total deposit and/or equity. For interest only where sale of mortgaged property is the repayment vehicle, a minimum of £150,000 is required at application. For the Help to Buy: equity loan scheme please include the equity loan amount plus the deposit the applicants are supplying.

Please enter an amount. For interest only where sale of mortgaged property is the repayment vehicle, a minimum deposit/equity of £150,000 is required. For the Help to Buy: equity loan scheme please include the equity loan plus the deposit the applicants are supplying.

£

Please select yes or no.

Please enter an equity loan amount.

£

Please ensure the equity loan amount is also included in the 'Deposit and/or equity' question above.

This includes mortgaged or mortgage-free properties that are currently let or to be let, second homes, holiday homes and properties occupied by dependent relatives.

Please select yes or no. Your client cannot have any other properties on completion if they’re applying for a mortgage under the Help to Buy: equity loan scheme.

For lending over 90% LTV, no other properties can be owned on completion of the mortgage.

For lending over 90% LTV, no other properties can be owned on completion of the mortgage

Please select yes or no.

If these costs are not included at this stage the displayed loan amount may be more than we can offer. Any running costs of the other properties will reduce the income available to support loan payments. For a more accurate calculation you can enter these details now.

Some of the information you have input is outside our lending policy. This is highlighted with a red warning icon; for more information please click the icon.

The calculator has experienced a problem which may affect the PDF version of the results when it’s saved or printed. Please double check the PDF version of the calculation before sharing this with your client. If there are inconsistencies you may need to complete the calculation again.

Santander for Intermediaries is a brand of Santander UK plc and is not a regulated company. Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.

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