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Affordability calculator

Our affordability calculator will give you an idea of the amount your client could borrow with us for Residential cases.

For Buy to Let and Limited Company Buy to Let cases you need to download our BTL borrowing calculator instead.

The calculator will only check affordability and loan to income (LTI). 

Once you have a figure, you’ll then need to complete a Decision in Principle. This will determine the amount that can be borrowed. Applications are subject to the Society’s standard lending criteria, status, financial standing and successful credit checks.

Our Affordability calculator gives an estimate of what you can borrow. For an accurate borrowing amount, you need to complete a Decision in Principle (DIP).

The calculator shouldn’t be used to assess the affordability of Residential cases with over 2 applicants. For these cases, you can contact your dedicated Business Development Manager (BDM).

As of Friday 13 September 2024, we’ve introduced a £50k minimum household income for first time buyers who want to borrow more than 4.5 x their income. Your Decision in Principle will reflect this change.

Please confirm you have read and understood the information above by selecting the box.

Go to the Affordability Calculator

Please note:

Leeds Building Society only accepts mortgage applications from intermediaries where they are providing an advised sales service, with the exception of Buy to Let & Holiday Let applications. It is the responsibility of the intermediary to ensure that all applicable law including, without limitation, the Financial Conduct Authority rules on advised mortgage sales are complied with including, without limitation, the provision of adequate explanations.

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