Residential affordability calculator

For help with using this calculator, here’s our quick guide – please note that this guide may not reflect the current calculator.

Client’s mortgage requirements

Application type

Mortgage type

Help to buy scheme

Tick here if your client is requesting additional borrowing. Do not tick if this is solely for staircasing to 100%

Additional borrowing reason

Tick here if this application includes any element of debt consolidation (excluding consolidation of Mortgage Reserve overdrafts)

Is this property a flat (or maisonette)?

Where is the property being purchased?

Tick here if the property is a new build (less than 2 years old)

Property value

Product fee

Amount of equity loan (percentage)

Customer share on completion

Number of parts to this mortgage

Tick here if the interest rate on the equity loan will be more than 3%

Equity loan interest rate

Loan amount

Interest rate

Mortgage term

New borrowing

Excluding ported amounts
Including all internal remortgage

Existing mortgage rate

Existing borrowing on further advance
Ported amounts
No internal remortgage

Number of applicants

Number of financial dependants

Tick here if any applicant is a Barclays Premier or Wealth customer

Tick here if the applicant has employed income

Annual basic gross income

Annual bonus for the current year

Annual bonus for the previous year

Monthly sustainable allowances

Monthly overtime

Monthly commission

Monthly bonus

Tick here if the applicant has self-employed income

Annual income before tax for the most recent year

Annual income before tax for the previous year

Annual non-taxable income

Annual pension income

Commitments (remaining after completion)

Credit card balance

Overdraft balance

Other monthly credit commitments

Monthly service charges, ground rent and council tax

Monthly maintenance and/or childcare costs (including child tax care vouchers) and school fees

Other regular monthly commitments (please do not include pension contributions)

Other residential mortgages

Number of other residential mortgages

Number of buy to let mortgages

Number of permission to let mortgages

Monthly buy to let and permission to let mortgage payments

LTV limits won’t be applied automatically for the Other application type. Please refer to our Lending criteria for the correct limit.

Important information

Terms and conditions

Cookies policy

This website is for the use of mortgage intermediaries only.
All other individuals looking for information should visit the mortgages pages at barclays.co.uk/mortgages

If you reproduce any part of the information contained in this communication, to be used with or to advise clients, you must ensure it conforms to the Financial Conduct Authority’s advising and selling rules. It's your responsibility to ensure that the information you’re using is the most up to date in line with our most recent communications to professional mortgage advisors. If you’re unsure that you are using the correct versions, please check with our intermediary support team.

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank UK PLC adheres to The Standards of Lending Practice which is monitored and enforced by The Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk.

Residential affordability calculator

Client’s mortgage requirements

Applicants

Applicant one

Income

Commitments (remaining after completion)

Other residential mortgages