Find out instantly whether you'll be approved, how much you can borrow and exactly what UK lenders look at — before you apply and risk a hard search on your credit file.
| Net Monthly Income | — |
| Available for Repayment | — |
| DTI After New Loan | — |
| Lender Affordability Check | — |
| Credit Score Band | — |
| Employment Factor | — |
| Recommended Loan Amount | — |
When you apply for a loan in the UK, lenders run a full affordability assessment. Understanding these factors helps you prepare — protecting your credit file from unnecessary hard searches.
Your DTI is the percentage of gross monthly income going toward debt repayments. Most UK lenders want DTI below 40%. Above 50%, mainstream lenders will typically decline.