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Affordability calculator

Our affordability calculator determines how much your client can afford to borrow. We assess this using a client's income and expenditure combined with our LTI and LTV policies.   

To find out how much your clients can borrow, please use our affordability calculator.  

 Please note:  

  • If you have any questions about using the calculator, read our affordability calculator FAQs
  • If you are happy that the calculator confirms the amount requested is affordable, you can submit the application in line with our normal process. Visit our how to apply page for more information.  
  • Remember to keep a copy of the affordability assessment result for your records. You may find this useful in resolving any future questions.  
  • Once we receive your client's application, we will repeat the calculation. We may recalculate this if more information is given. 
  • The application and assessment of affordability is for guidance. It is subject to our wider lending policy. As a result, we may not be able to proceed with the application or provide the requested amount.  
  • The calculator is also suitable for Help to Buy calculations. 

If the calculator generates a lower amount than requested, and you would like to discuss this further, please contact our Intermediary Support team at 0345 602 2338

Meet your BDM

Here to support you

Available across the UK, your dedicated Business Development Manager (BDM) is ready to give expert advice on your product, criteria, or application questions.

Headshot of Judy, Newcastle for Intermediaries BDM

Judi Hancock

South East

Postcodes:

SO, PO, GU, RH, BN, TN, ME, CT, SS, CM, CO, BR, DA, CB, IP, RM

Headshot of Steven, Newcastle for Intermediaries BDM

Stephen Breen

North West and M62 Corridor

Postcodes:

FY, LA, PR, BD, BB, L, WN, BL, OL, HX, M, WA, CH, CW, SK, S, DN, HU, HD, LL

Headshot of Linzi, Newcastle for Intermediaries BDM

Linzi Stafford

Telephone

Postcodes:

HP, SL, AL, WD, HA, UB, TW, KT, CR, SM, EN, IG, E, EC, W, N, NW, SE, SW, WC

Headshot of Kam, Newcastle for Intermediaries BDM

Kam Gill

Midlands

Postcodes:

TF, ST, DE, NG, LN, WV, WS, DY, WR, B, CV, LE, NN, PE, NR, SY

Headshot of Andy, Newcastle for Intermediaries BDM

Andy White

South West and Home Counties

Postcodes:

TA, BS, CF, BA, GL, SN, OX, RG, MK, LU, SG, BH, SP, NP, SA, LD, HR, DT, EX, TQ, PL, TR

Headshot of Sophie, Newcastle for Intermediaries BDM

Sophie Goodwin

North East and Scotland

Postcodes:

SR, TS, DD, G, FK, KY, KA, ML, EH, DG, TD, CA, NE, DL, DH, HG, YO, LS, WF, KW, IV, PH, AB, PA

Contact our dedicated Intermediary Support Team on 0345 602 2338 or intermediary.lending@newcastle.co.uk. We're available from 8am to 6pm, Monday to Friday.