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Skipton will never ask you to:
If you are unsure, do not proceed and contact us directly.
Use our affordability calculator to get a quick estimate of how much you could borrow for a mortgage.
Whether you're buying your first home, moving home or remortgaging, our calculator can help you understand your budget before looking for a property.
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This is an estimate only. It isn't a mortgage offer or Decision in Principle (DIP). The amount we may be able to lend will depend on your circumstances and affordability assessment.
| Affordability calculator | Decision in Principle (DIP) |
|---|---|
| Quick estimate of what you could borrow | More detailed assessment of your circumstances |
| Gives you an idea of what could be within your budget | Helps you move forward with confidence |
| Ideal if you're still looking for a property | Ideal when you're ready to buy |
| No mortgage application needed | Provides an indication of what Skipton may be willing to lend you |
If you don't keep up with your mortgage payments, you could lose your home.
The amount you could borrow depends on your income, spending, deposit and personal circumstances.
How much you can borrow depends on your circumstances, including affordability, deposit size, income and existing financial commitments, such as your spending.
The amount you can borrow depends on a range of factors including your income, deposit size, affordability and other financial commitments, such as your spending.
Joint applicants may be able to borrow more because both incomes can be considered part of the mortgage application.
No. Using this affordability calculator won't affect your credit score.
An affordability calculator gives you an estimate of how much you could borrow. A Decision in Principle goes further and provides an indication of how much Skipton may be wiling to lend you.
The calculator provides an estimate only. The final amount may vary following a full affordability assessment and mortgage application.
