How much extra could I borrow?
Please note the maximum amount you can borrow is up to 85% of the value of your home, including your existing mortgage balance.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
If you’re ready to get started with your application or if you just want a bit more information, why not get in touch now?
Talk to one of our qualified mortgage advisers.
If you need further advice on the application process please call us on our mortgage helpline number.
So we can provide the most accurate calculation, please include as much information as possible.
1 person
2 people
Minimum term 5 years, maximum 40 years.
Include all borrowers.
1
2
3
4
5
We define financially independent children/dependants as those who are in employment and are financially fully self-sufficient
0
4+
Employed
Unemployed
Retired
If applicable, make more than one selection.
Employee
Self- employed
Company Director
Second job
Annually
Monthly
Excluding bonus, commission or overtime.
What is gross income?
Including Car, Rent, Shift, Standby and Call-out, Large Town or Weighting allowance.
You must have been trading for a minimum of 2 years.
What is net profit?
Include only details of the company in which you hold the largest percentage share.
What is remuneration?
Including pension and dividends.
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Add Income & Outgoings for a more accurate calculation:
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Tell us about payments made and received from any account.
Do not include the monthly payment for your YBS mortgage.
Excluding properties that have been let for 6 months or more.
Including secured /personal loans, student loans, hire purchase.
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.
Tell us the total of any outstanding balances.
Tell us the most you've been overdrawn across all your accounts at any one time in the last 3 months.
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.
Please do not include any non-sterling income below.
Please provide details of your income. *
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 (£)
Other Income
Please exclude:
Outgoings to be repaid when the mortgage completes.
Credit Cards
Overdrafts
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.