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Contractor Mortgage Assessor Calculator

Calculate your contractor mortgage options, including how much you could borrow

You can use this calculator to assess your potential mortgage options, based on your current contracting rate and your IR35 status.

This calculator will highlight your monthly net income and reveal the likely level of mortgage you could successfully apply for.

It will display the monthly charges for both a repayment mortgage and an interest only mortgage, whilst showing how much of your monthly income you will have left following payments.

Please enter your details to calculate your mortgage options:

Basic Calculation >
Rate: £
Rate type:  
IR35 status:  
Hours per week:  
Days worked per week:  
Weeks per year:  
Annual expenses: £
Gross salary drawn as Director: £ (excl Employers NI Employees NI)
Annual pension contributions: £
Other annual income: £
I split the dividend and receive    percent.
Personal tax code:  
    (Single person code 1257L - Budget 2023)
Tax year:  

Solutions for Contractors: