Before you proceed with a mortgage you should make sure that the monthly repayments are affordable. Use the calculator below to assess how much you can comfortably afford to repay each month.

Income:  
Net monthly salary £
Partner's net monthly salary £
Other Income £
Total Income £
 
Expenses:  
Credit Cards £
Gas £
Water £
Electricity £
Telephone £
Council Tax £
Food/Drink £
Clothes £
Car/Travel Expenses £
Life Assurance £
Regular Savings/Pensions £
Loan Repayments

£

Other Standing orders/Direct debits £
Entertainment/Holidays £
Household Maintenance £
Other Expenses £
 
 
 
Total Monthly Expenses: £
Spare income each month: £
This calculator has been provided for your guidance only. Its use does not represent any offer of a mortgage advance.

If you are seeking a mortgage loan, then you must make a formal application to an appropriate mortgage lender, who will consider your application in accordance with their lending criteria.

Mortgage loans are normally subject to a formal valuation of the property and proof of your earnings.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED ON IT.

The FSA do not regulate mortgages. A written quotation is available on request.
Sillars McLeod - Professional Independent Financial Advice

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