YBS Home

How much could I borrow?

How much could i borrow?

You could borrow up to...

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

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If you need advice as to the suitability of any of our mortgage products, or if you have any questions regarding the application process, why not talk to us.

Book an appointment

Book an appointment

Talk to one of our qualified mortgage advisers.

Talk to an expert
Call us

Call us

If you need further advice on the application process please call us on our mortgage helpline number.

0345 166 9510

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YBS Home

How much could I borrow?

So we can provide the most accurate calculation, please include as much information as possible.

Number of applicants

Mortgage
YBS Home

Mortgage

Mortgage

Mortgage term

Minimum term 5 years, maximum 40 years.

Household
YBS Home

Household

Household

Adults aged 17 and over

Include all applicants.

How many of these adults are financially independent of the applicant?

We define financially independent children/dependants as those who are in employment and are financially fully self-sufficient

Children aged 16 and under

Employment
YBS Home

Employment (App. 1)

Employment - Applicant 1

Employment status

Employment type

If applicable, make more than one selection.

Employee

Pay frequency

Annual gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Self-employed

You must have been trading for a minimum of 2 years.

Pay frequency

Annual net profit

£
£
£

What is net profit?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly net profit

£
£
£

What is net profit?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Company director

Include only details of the company in which you hold the largest percentage share.

How long have you been connected with the business?

Pay frequency

Annual remuneration

Excluding bonus, commission or overtime.

£

What is remuneration?

Annual net dividend

£
£
£

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly remuneration

Excluding bonus, commission or overtime.

£

What is remuneration?

Monthly net dividend

£
£
£

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Second job

Pay frequency

Annual gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Retired

Income frequency

Annual gross income

Including pension and dividends.

£

What is gross income?

Monthly gross income

Including pension and dividends.

£

What is gross income?

Employment
YBS Home

Employment (App. 2)

Employment - Applicant 2

Employment status

Employment type

If applicable, make more than one selection.

Employee

Pay frequency

Annual gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Self-employed

You must have been trading for a minimum of 2 years.

Pay frequency

Annual net profit

£
£
£

What is net profit?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly net profit

£
£
£

What is net profit?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Company director

Include only details of the company in which you hold the largest percentage share.

How long have you been connected with the business?

Pay frequency

Annual remuneration

Excluding bonus, commission or overtime.

£

What is remuneration?

Annual net dividend

£
£
£

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly remuneration

Excluding bonus, commission or overtime.

£

What is remuneration?

Monthly net dividend

£
£
£

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Second job

Pay frequency

Annual gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Monthly gross income

Excluding bonus, commission or overtime.

£

What is gross income?

Bonus (optional)

£

Overtime (optional)

£

Commission (optional)

£

Other allowance (optional)

Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.

£

Retired

Income frequency

Annual gross income

Including pension and dividends.

£

What is gross income?

Monthly gross income

Including pension and dividends.

£

What is gross income?

Summary
YBS Home

Summary

Summary

We've now got everything we need to provide you with an estimate.

Add Income & Outgoings for a more accurate calculation:

Summary
YBS Home

Income & Outgoings

Income and Outgoings

Tell us about payments made and received from any account.

Add Income
YBS Home

Add Income

Add Income

Monthly Income

  • Family

    Family

    £
    £
    £
  • Property

    Property

    £
Add Income
YBS Home

Add Income

Add Income

Monthly Income

  • Family

    Family

    £
    £
    £
  • Property

    Property

    £
Add Income
YBS Home

Add Income

Add Income

Monthly Income

  • Family

    Family

    £
    £
    £
  • Property

    Property

    £
Add Outgoings
YBS Home

Add Outgoings

Add Outgoings

Monthly Outgoings

  • Mortgage(s)

    Mortgage(s)

    Excluding properties that have been let for 6 months or more.

    £
  • Loan(s)

    Loan(s)

    Including secured /personal loans, student loans, hire purchase.

    £
  • Family

    Family

    £
    £
  • Lifestyle

    Other payments

    Other significant outgoings you would not stop paying if your circumstances changed (e.g. Ground Rent and Service Charges).

    Excluding regular household expenditure such as basic recreation, transport costs, council tax, phone payments and utility bills.

    £

Balances

  • Credit/store card(s)

    Credit/store card(s)

    Tell us the total of any outstanding balances.

    £
  • Overdraft(s)

    Overdraft(s)

    Total of all outstanding overdrawn balances

    £
  • Loan(s)

    Loan(s)

    Outstanding balance on loans/HP commitments, including ONLY Personal Loans, HP Committments, Secured Loans

    £
Add Outgoings
YBS Home

Add Outgoings

Add Outgoings

Monthly Outgoings

  • Mortgage(s)

    Mortgage(s)

    Excluding properties that have been let for 6 months or more.

    £
  • Loan(s)

    Loan(s)

    Including secured /personal loans, student loans, hire purchase.

    £
  • Family

    Family

    £
    £
  • Lifestyle

    Other payments

    Other significant outgoings you would not stop paying if your circumstances changed (e.g. Ground Rent and Service Charges).

    Excluding regular household expenditure such as basic recreation, transport costs, council tax, phone payments and utility bills.

    £

Balances

  • Credit/store card(s)

    Credit/store card(s)

    Tell us the total of any outstanding balances.

    £
  • Overdraft(s)

    Overdraft(s)

    Total of all outstanding overdrawn balances

    £
  • Loan(s)

    Loan(s)

    Outstanding balance on loans/HP commitments, including ONLY Personal Loans, HP Committments, Secured Loans

    £
Add Outgoings
YBS Home

Add Outgoings

Add Outgoings

Monthly Outgoings

  • Mortgage(s)

    Mortgage(s)

    Excluding properties that have been let for 6 months or more.

    £
  • Loan(s)

    Loan(s)

    Including secured /personal loans, student loans, hire purchase.

    £
  • Family

    Family

    £
    £
  • Lifestyle

    Other payments

    Other significant outgoings you would not stop paying if your circumstances changed (e.g. Ground Rent and Service Charges).

    Excluding regular household expenditure such as basic recreation, transport costs, council tax, phone payments and utility bills.

    £

Balances

  • Credit/store card(s)

    Credit/store card(s)

    Tell us the total of any outstanding balances.

    £
  • Overdraft(s)

    Overdraft(s)

    Total of all outstanding overdrawn balances

    £
  • Loan(s)

    Loan(s)

    Outstanding balance on loans/HP commitments, including ONLY Personal Loans, HP Committments, Secured Loans

    £

This calculator will give you an estimate of how much money you can borrow. Simply complete the sections below and click 'Calculate' to see your results.

Income

Please do not include any non-sterling income below.

Please provide details of your income. *

 
Applicant 1
Applicant 2

If you are employed or retired, please tell us your:


If you are self-employed, please tell us your net profit for:


If you are a salaried / non-salaried director, please tell us your:

Please also tell us your annual net dividends (£)

  Yrs     Mths  
  Yrs     Mths  

Other Income



Outgoings / expenses

Outgoings to remain outstanding after the mortgage completes.  
  • Other significant outgoings are outgoings that you could not or would not stop paying to reduce your expenditure, including service charges, factor fees & ground rent.
  • In the monthly school/nursery/childcare fees box, please include the amount of childcare vouchers shown on your payslip, plus any additional amount you pay directly.
  • Only include mortgage payments if the property is about to be let, has been let for less than 6 months or if the mortgage will remain outstanding.
  • If you regularly use one or more overdrafts please tell us the maximum amount you have been overdrawn by in the last 3 months.

Please exclude:

  • general outgoings e.g. food, petrol, insurance, council tax and utilitiy bills
  • mortgage payments if the mortgage will be repaid before the new one starts
  • mortgage payments if the property has been let for more than 6 months and the rent received is at least 50% higher than the mortgage payment
 
Help
 


Outgoings to be repaid when the mortgage completes.

Credit Cards

Overdrafts



Additional information

*
*
*
*

If you know the details of the loan you are looking for, answers to the questions below can help to give you a more accurate borrowing figure. If however you don't know, please leave them blank.

402
falsefalsefalsefalsefalsefalse402Employed/retired clientsEmployed/retired clientsSelf-employed clients (sole traders and partnerships only)Self-employed clients (sole traders and partnerships only)Salaried/Non-salaried directorsSalaried/Non-salaried directorsAcceptable Zero Hours ContractAcceptable Zero Hours ContractStandard PurchaseStandard PurchaseStandard RemortgageStandard RemortgageTerraced HouseTerraced HouseSemi-Detached HouseSemi-Detached HouseDetached HouseDetached HouseTerraced BungalowTerraced BungalowSemi-Detached BungalowSemi-Detached BungalowDetached BungalowDetached BungalowFlat / MaisonetteFlat / MaisonettefalseSoleSoleJointJointJBSPJBSPfalsetrue
Need help?
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9am-5pm Monday-Friday
9am-1pm Saturday
Important
Place your cursor over the help icons (Help) to view additional explanations.
Please note: we need all the information marked with an * asterisk.
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