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For intermediaries only

Only for registered intermediaries

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Affordability calculator

Find out how much your customers may be able to borrow using our affordability calculator.

Please note: If your applicant has already retired you will need to add all income into the ‘Retirement income’ section and leave the ‘Income for applicant’ section blank.


Applicant 1 details Applicant 2 details

We'll lend to customers between the ages of 18 and 75. If the mortgage term will run into your customer's retirement and your customer is over 60 or within 10 years of their expected retirement age (whichever comes first), then we'll need their retirement income too.

Income for applicant 1 Income for applicant 2
Retirement income

If your customer will be partly reliant on their retirement income to service their mortgage, we'll need to know more about that income in this section.

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Please correct errors in your inputs.

Based on the information above, this mortgage is affordable for your client.
The maximum amount affordable over the term requested is £.
The minimum term the requested amount is affordable over is years and months.

This is subject to the application of additional rules that are applied at DIP. You can view them all here

Based on the information above, this mortgage is not affordable for your client.
There was a problem with our Affordability Check Service. Please contact Atom Bank via our contact page.

This affordability result is not an agreement to lend and is only an indication of what we may be prepared to lend. Any decision to lend to your applicant will be subject to the information you provide being accurate, a credit search and an assessment against our lending criteria. The calculator does not take into consideration any debt consolidation or if new build - this will form part of our decision to lend during the application assessment, and may mean the maximum amount we can offer is different.

Save a copy of the results

You can add the name of your client to your saved PDF. No names will be sent to us.