How much can I borrow?

The amount we will lend you depends on your ability to repay the loan. We take into account your income and other financial commitments you have. We also consider the amount of the loan required as a percentage of the property’s value.

How much you can borrow based on the value of the property

If your income allows, we will usually be able to lend up to 90% (70% for Buy to Let) of the purchase price or valuation of the property, whichever is the lower. Please refer to the individual mortgage pages to confirm the amount you can borrow based on the value of the property.

Reason for loan	Amount you can borrow as a percentage of the property's value
House purchase (depending on mortgage deal)	Up to 90%
Moving your existing loan to us from another lender (depending on mortgage deal)	Up to 85%
Additional loans for existing borrowers (depending on mortgage deal)	Up to 90%

Calculator

If you are employed please use your latest P60 to confirm your income for the last tax year.

If you are self employed please state the average net profit you have earned over the past three years.

Applicant 1:	Main income: How much do you earn annually, before tax? including regular overtime, bonuses, etc.
	Other income: What other income do you earn each year? e.g. non-guaranteed overtime/bonus or commission.
	Out-goings: What is the total of your regular monthly out-goings? e.g. personal loan and credit card payments (where not paid off in full each month).
Applicant 2:	Main income: How much do you earn annually, before tax? including regular overtime, bonuses, etc.
	Other income: What other income do you earn each year? e.g. non-guaranteed overtime/bonus or commission.
	Out-goings: What is the total of your regular monthly out-goings? e.g. personal loan and credit card payments (where not paid off in full each month).
	What is the purchase price or value of the property?
	How much do you want to borrow?
	You can borrow:

For more advice about arranging a mortgage with us, please contact the personal adviser at your local branch.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.