Please complete the details below to calculate how much Principality is prepared to lend you. This amount will be subject to a formal application and to satisfactory credit score and our lending policy. The calculator provides an indication only and is not a legally binding mortgage offer. It places Principality under no obligation to provide you with a mortgage. Make sure that you read the separate Key Facts Illustration.
Mortgage Term : years months Number of applicants:  
Income
(all amounts should be gross)

Basic annual income £ 
Annual regular overtime £ 
Annual Bonus £ 
Annual regular commission £ 
Annual shift allowance £ 
Annual car allowance £ 
Large town allowance £ 
Secondary job £ 
Annual rent/mortgage allowance £ 
Pension £ 
Working Family Tax Credit £ 

Commitments
Please include all credit commitments. This includes any balances that are being settled as part of a re-mortgage.

Monthly loan and overdraft repayments  (with more than 6 months remaining) £ 
Monthly hire purchase repayments  (with more than 6 months remaining) £ 
Monthly Child and Other Maintenance £ 
Total balance of credit cards £ 

Student Loan
Student loan taken out before September 2012?  




£  Amount of annual income before tax. For employed applicants the gross annual contractual salary. For Sole Traders and Partnerships the net profit/share of net profit will be used. For limited Company Directors Dividend plus Salary will be used.
£  Annual amount of regular overtime based on an average of the latest three months’ payslips.
£  Annual amount of bonus received before tax based on an average of the latest two payments if paid quarterly, half-yearly or annually or an average of the latest three months’ if paid monthly.
£  Annual amount of regular commission based on an average of the latest three months’ payslips.
£  Amount of annual shift allowance before tax.
£  Amount of annual car allowance before tax.
£  Amount of large town or geographical allowance received before tax.
£  Annual salary of second job before tax.
£  Amount of annual rent or mortgage allowance received.
£  Amount of annual pension payments including state pension received.
£  Annual amount of Working Family Tax credits received. Child Tax Credits and Child Benefit are not accepted as income for affordability.



£  Monthly amount payable for all loans with more than 6 months remaining plus any monthly interest / charges for overdraft facilities.
£  Monthly amount payable for all hire purchases with more than 6 months outstanding.
£  Monthly amount of maintenance payments.
£  Total balance of all credit cards.

Student Loan
  Student loan taken out before September 2012?

Composition
(composition of mortgaged property)

Number of adults in property (Excluding Retired and Non-dependents) Number of adults
Number of retired adults Number of retired adults
Number of children   Number of children

Region
(region of mortgaged property)

Region Region

Basic Essential Expenditure
Food and Drink Monthly total   Food and Drink.
Council Tax, Utilities and Household Insurances Monthly total   Gas, electric, oil, water, ground rents & TV licences.
Transport Monthly total   Fuel, Insurances, Tax, MOTs, Maintenance, Servicing,Public Transport and Commuting costs.
Communications Monthly total   Mobile phones, Broadband, landlines.
Health Monthly total   Regular prescriptions, health & dental care.

Total  

Quality of Living Costs
Clothing and Footwear Monthly total   Clothing and Footwear.
Household Goods and Services Monthly total   Property Maintenance (including Maintenance subscriptions and breakdown cover), Decoration, Furnishings and White Goods
Recreation Monthly total   Personal Hobbies, Eating Out, Club, Society and Gym Memberships.
Child Care and Education Costs Monthly total   Private education, nursery & childcare.
Misc Expenditure Monthly total   All Other Expenditure including Pension Contributions if not paid direct from salary.

Total  


Principality will lend
(Inclusive of fees)
£ 

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