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What is Affordability Boost? 

We understand that affordability can be a key challenge for many people. That’s why we have a range of products to help your clients looking for a longer-term fixed-rate mortgage. 

Our Affordability Boost range offers a different affordability assessment for fixed-rate mortgages of longer than five years. This means your client may be able to borrow more, depending on their financial situation. This assessment is only available on Affordability Boost products with a minimum term of 72 months. 

What does this look like?

For example, a couple with one child, a combined income of £75,000 and monthly credit commitments of £650, could typically borrow up to £305,000. This is with a standard fixed-rate product when borrowing 85% of their home’s value. However, with an Affordability Boost mortgage, they might be able to borrow up to £375,000 dependent on their financial circumstances.

With a standard fixed-rate product they could borrow up to:

£305,000

With an Affordability Boost product, they could borrow:

£375,000

Is Affordability Boost right for your client?

Our Affordability Boost range may be suitable if they want:

  • A fixed-rate mortgage for over five years (72 months minimum term)

  • To borrow more towards their first home, current home, or next home

Our Affordability Boost range may not be suitable if they want:

  • A short-term or more flexible mortgage

  • To make changes within the next five years

  • To use an affordable home ownership scheme such as Shared Ownership

  • To apply but have been self-employed for less than two years

  • A Buy-to-Let mortgage

What are the key features?

  • Available only on selected Affordability Boost fixed-rate mortgages of more than five years (minimum term of 72 months)
  • Available up to 95% LTV
  • Available to first-time buyers, home movers, those looking to remortgage and existing mortgage customers who don’t want to borrow more
  • Maximum age 80
  • 10% overpayment per year as well as an additional £499 monthly overpayment allowed
  • Up to 40-year term

Browse our Afforability Boost product range

Affordability calculator

Find out how much your clients could borrow.

Find out more

Product range

Check out our latest rates and products.

Find out more

Lending criteria

Always up to date with new easy to use search.

Find out more

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 Linzi, Newcastle for Intermediaries BDM

Linzi Stafford

Connells Group

Postcodes:

CONNELLS, CG

Headshot of Judy, Newcastle for Intermediaries BDM

Judi Hancock

South East

Postcodes:

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

Headshot of Judy, Newcastle for Intermediaries BDM

Judi Hancock

South East (Connells Group please search 'CG' for your BDM)

Postcodes:

CO

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 Rebecca, Newcastle for Intermediaries BDM

Rebecca Roberts

London

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.