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Affordability calculator

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

Property and loan

The property and loan section allows you to input information about your applicants lending requirements. See accompanying help text for further information about loan percentages for property values.

£
valid input
£
valid input
Term of loan
valid input
valid input

Enter the requested loan term here. The minimum term we offer is 2 years (as long as that's not less than the initial product term) and our maximum is 40 years.

Number of applicants
valid input
valid input
Committed monthly expenditure

Credit commitments should be entered, even if they’ll be paid on or before completion.

Please break down expenditure into individual payments. If there is more than one applicant, please enter combined figures for both applicants.

Credit cards and overdrafts
£
valid input
£
valid input
Personal loans and hire purchase
£
valid input
Secured loans
£
valid input
CSA and child maintenance
£
valid input
Student loans
£
valid input
Other mortgages
£
valid input
Household expenditure

Please break down into individual payments. Where the mortgage is for a property purchase, the amounts should also reflect the anticipated costs at the new property.

£
valid input
£
valid input
£
valid input
£
valid input
£
valid input
Other expenditure

Please break down into individual payments.

£
valid input
£
valid input
£
valid input
£
valid input
£
valid input
£
valid input
£
valid input
or
See criteriaor
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© Atom bank 2025

“Atom bank” and “Atom” are trading names of Atom bank plc, a company registered in England and Wales with company number 08632552. Registered office: The Pattern Shop, Sussex Street, Newcastle upon Tyne, NE1 3PD.

Atom bank plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 661960.