Affordability calculator Gen H Pro log in

Application → All guides

A - Z of Application criteria

Deposit sources

Direct Debits

Early repayment charges

Expanded higher LTV criteria (95% LTV)

Interest

Loan to income multiples

Loan purpose

Loan size

Location

Maximum LTV

Mortgage Term

Offer validity

Overpayments

Payment holidays

Porting

Rate switches

Remortgage & Additional Borrowing

Repayment methods

Customer → All guides

Adverse Credit

Age

Applicants

Asylum Seekers

Boosters

Commitments & Expenditure

Customer Verification

Dependants

Expat

First-Time Buyer

Home Movers

Non UK Nationals

Overseas applicants

Owners

Retirement

Students

Vulnerable Customers

Income and employment → All guides

A - Z of Income types

Benefit income

Contract workers

Employed

Foreign currency income

Holiday Lets

Minimum incomes

Other income types

Parental Leave

Pay increases

Pension

Piecework

Rental income

Retirement income

Self Employed

Stipend Income

Property → All guides

A - Z of Property types

A - Z of Purchasing schemes

Bedroom count

Construction types

Current value

Discounted purchase price

Flood Risk

Help to Buy

Leasehold

New builds

New Build; Incentives & Part Exchange

Property Charges

Property values

Retentions

Tenure types

Valuations

Packaging guide → All guides

Employed income

Investment income

Maintenance income

Parental Leave

Rental income

Self-employed income

Sole traders income

Address verification

Additional support

Identification

Miscellaneous

Occupier’s consent

Proof of deposit

Retirement plans and pension

Completions

Conveyancing

ILA

Privacy notice

Construction Industry Scheme (CIS)

Yes

Weighted at 100%

Can be considered if the applicant has 12 months continuous employment in the same line of work. This can be from different companies and can be against previous or future guaranteed work.

Documents we require;

(To verify income)

(To verify 12 months continuous employment/income)

Where future employment is being evidenced a contract showing a  minimum of 3 months remaining is required.

Calculating Income