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Planning your retirement, automatic enrolment, types of pension and retirement income
Having a baby, divorce and separation, what to do when someone’s died, choosing and paying for care services
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Use this section to get a basic idea of how your monthly budget adds up, and how affordable your monthly mortgage payments will be.
If you don't have any expenses in these sections right now, imagine what they are likely to be in your new home.
If you're applying with someone else, add their monthly costs to yours and put them in the fields below.
Include: credit card, store card and catalogue debts; car finance and personal loans; student loans; and hire purchase commitmentsExclude: Day-to-day living costs (e.g. food, clothes, entertainment and holidays); fixed spending (e.g. subscriptions to gyms or other memberships; utility bills; mobile phones; broadband; council tax; childcare or school fees)
Payment towards the support and maintenance of children, or maintenance of an ex-partner
Include: Nursery and childcare fees, childminder, extracurricular classes etc
Include: Fuel, public transport, regular rail and air fares.Exclude: Holidays and weekends away
Include: Council Tax, gym memberships, utility bills, mobile phones, annual insurance (such as contents, car, pet, travel), magazine subscriptions, broadband, roadside recovery etc
This won’t be included in the calculation, but you might want to include it to see the difference between your current rent or mortgage payments and the new payments you’ll be making
Your lifestyle costs shouldn't change when you get a mortgage, but lenders will want to 'stress test' if you can afford your payments should interest rates rise or your circumstances change.
Include: eating out, clothing, daily coffees/teas, theatre, museums, evenings out, family days out, personal grooming etc
Think about how much you typically spend on holidays or weekends away per year, and divide that by 12.Exclude travel insurance or travel for work
Include: weekly shop, daily lunches, toiletries etc
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