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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.
Judi Hancock
South East
Postcodes:
SO, PO, GU, RH, BN, TN, ME, CT, SS, CM, CO, BR, DA, CB, IP, RM
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
Linzi Stafford
Telephone
Postcodes:
HP, SL, AL, WD, HA, UB, TW, KT, CR, SM, EN, IG, E, EC, W, N, NW, SE, SW, WC
Kam Gill
Midlands
Postcodes:
TF, ST, DE, NG, LN, WV, WS, DY, WR, B, CV, LE, NN, PE, NR, SY
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
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.