Discretionary payslip deductions - residential applications

From Monday 24 July, we're improving how we check at full mortgage application if an applicant would be prepared to cancel discretionary payslip deductions in the future, if they were to experience financial difficulties.

Discretionary payslip deductions include additional voluntary contributions, private healthcare and employee share schemes e.g. Sharesave. Please see our payslip guide for more information.

To find out how much your client could borrow, please use our affordability calculator and don't include any discretionary payslip deductions which your client would be prepared to cancel in the future.