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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 Illustration.
Mortgage Term :
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
years
0
1
2
3
4
5
6
7
8
9
10
11
months
Number of applicants:
One
Two
Three
Four
Is the customer re-mortgaging?
Select..
No
Yes
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
Yes
No
Student loan taken out before September 2012?
Yes
No
*
£
*
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.
Yes
No
Student Loan
Yes
No
*
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
North East
North West
Yorks and the Humber
East Midlands
West Midlands
East
London
South East
South West
Wales
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.