Start with the people applying and their income before tax.

Use guaranteed basic annual salary before tax. Leave out bonuses, overtime, commission, allowances, rental income and benefits. An adviser can check additional income separately.

Use annual personal pre-tax profit, or salary and dividends, not business turnover. An adviser will need to check how your income should be assessed. This guide does not assume every lender accepts the figure entered.

Tell us about the payments you expect to keep when your new mortgage starts. Include both applicants’ amounts. Enter 0 where none apply.

A few details about your home and the mortgage you have in mind.

This guide covers buying or remortgaging your main home with a standard repayment mortgage. For shared ownership, shared equity or interest-only borrowing, please speak to us.

Add your details to personalise your estimate.

Your estimate will appear on screen straight away. A Stewart Financial adviser will also email you a copy of your results within 24-48 hours.

We’ll use your details to send your results. You won’t be added to a mailing list.