Crystal Finance — Unified Affordability Calculator

Residential Mortgage Calculator

Product Type

🏠 PURPOSE & PROPERTY

Purpose

Property Type

EPC Rating

Property Value (£)

Purchase Price (£) (if different)

Location

👤 APPLICANTS & INCOME

Number of Applicants

DOB (Applicant 1)

Employment Status

Years in Role

Currently on probation

Basic Salary (£)

Bonus / Commission (£)

Overtime (£ annual)

Other Income (£)

Net Profit Year 1 (£) Latest

Net Profit Year 2 (£) Previous

Salary + Dividends (£)

Retained Profits (£)

Years Trading

Foreign Income

Second Job

APPLICANT 2

DOB (Applicant 2)

Employment Status

Basic Salary (£)

Bonus / Commission (£)

Overtime (£ annual)

Other Income (£)

Net Profit Year 1 (£)

Net Profit Year 2 (£)

Salary + Dividends (£)

💰 LOAN DETAILS

Max Loan Mode

Calculate maximum borrowing per lender

Loan Required (£) (net amount before fees)

Term (years)

Repayment Type

Crystal Fee

£2,995

📋 COMMITMENTS & EXPENDITURE

Credit Commitments (£/mo) Cards, loans, HP

Household Expenditure (£/mo)

Child Maintenance Paid (£/mo)

Ground Rent / Service Charge (£/mo)

Dependants

Professional?

⚠️ CREDIT PROFILE

Credit Profile

Payday Loans (last 12m)

Gambling Markers

Enter applicant details

Select a product type, fill in the form and click "Calculate Affordability" to see which lenders pass with LTV-banded rates and true cost comparison.

Buy to Let Calculator

Product Type

Property Details

Property Value (£)

Property Type

Number of Lettable Rooms Per-room rent × rooms = total monthly rent

EPC Rating

Location

Rental Income

Monthly Rental Income (£)

Void Allowance (%)

Rental Achieved?

Needs Top-Slicing?

Loan Details

Calculate Maximum Loan

Find the maximum each lender will offer based on rental income and LTV

Loan Required (£)

Term (years)

Repayment Type

Crystal Fee

Ownership Structure

Ownership

Portfolio (4+ = portfolio landlord)

Total Mortgaged Properties

Landlord Experience

Applicant

Date of Birth (oldest)

Credit Profile

ADVERSE CREDIT DETAILS + Expand to filter by adverse history

Enter BTL details

Fill in property value, rent, and loan to see ICR results with LTV-banded rates, tax wrapper comparison, and true cost analysis.

Commercial Mortgage Details

Product Type

Purpose

Charge / Transaction

Purchase Price (£)

EPC Rating

Property Sub-Type

Borrower Type

Repayment

Property Value (£)

Multi-Security Portfolio / Cross-collateralised

Loan Required (£)

Max Gross Loan mode

Term (years)

Rental Income (ICR Test)

Annual Rental Income (£)

Rental Coverage Used (%)

Some lenders use 90% of rent (Together). Default 100%.

Owner-Occupied Affordability

Enter business account figures below. Monthly net income is derived from Adjusted EBITDA ÷ 12. Each lender applies their own affordability test (TSDI or DSCR) to this income automatically.

Operating Profit (£/yr)

Net profit from latest accounts

Depreciation (£/yr)

Add back (non-cash expense)

Amortisation (£/yr)

Add back (non-cash expense)

Rent Currently Paid (£/yr)

Add back (will be replaced by mortgage)

Existing Debt Payments (£/yr)

Annual debt service on other loans (excl. this mortgage)

Adjusted EBITDA (auto-calculated)

£0

= Operating Profit + Depreciation + Amortisation + Rent − Existing Debt

Monthly Net Income: £0 (EBITDA ÷ 12)

\u25BC Adverse Credit History

CCJs (12m)

CCJs (24m)

Defaults (12m)

Defaults (24m)

IVA

Bankruptcy

Crystal Fee: £2,995 (Commercial)

Enter commercial details

Fill in property details and business financials to calculate DSCR with product-specific rates.

Bridging Loan Details

Property Value (£)

Net Loan Required (£)

Max Gross Loan mode

LTV

—

Enter values

Term (months)

Charge / Transaction

Purchase Price (£)

Existing 1st Charge Balance (£)

Regulated?

Property Type

Interest Type

ADVERSE CREDIT DETAILS

+ Expand to filter by adverse history

Crystal Fee: £995 (waived above £200k gross)

Enter bridging details

Fill in property value, net loan, and term to see the gross loan, total cost, and monthly interest across all bridging lenders.

Second Charge Details

⚡

Quick Quote Mode

Skip income — get instant rate comparison by LTV only

Security Type

Product Type

Combined LTV

—

Enter values

Property & Loan

Property Value (£)

Outstanding 1st Mortgage (£)

1st Mortgage Term Remaining (months)

1st Mortgage ERCs Payable Now (£)

Annual Rental Income (£)

BTL DSCR Stress Rate (%)

Current 1st Mortgage Payment (£/mo)

2nd Charge Amount Required (£) (net, before fees)

Term (months) e.g. 120=10yrs

Loan Purpose

Number of Applicants

Applicant 1 DOB (retirement age check)

Employment Status

Years Trading / Contracting

Income — Applicant 1

Basic Salary (£)

Bonus / Commission (£)

Overtime (£ annual)

Other Income (£) always include

Net Profit Year 1 (£)

Net Profit Year 2 (£)

Salary + Dividends (£)

Commitments & Profile

Credit Commitments (£/mo)

Household Expenditure (£/mo)

Dependants

Cost per Dependant (£/mo)

Credit Profile

Repayment Type

Crystal Broker Fee

Fee: £2,995 (Second Charge)

ADVERSE CREDIT DETAILS

+ Expand to filter by adverse history

💳 Debt Consolidation Mode — add debts to consolidate into the 2nd charge

Enter second charge details

Fill in property value, existing mortgage, and income to see affordability across all second charge lenders.

Development Finance Details

Project Type

🏗️ Ground Up

🔨 Heavy Refurb

🪛 Light Refurb

🏢 Conversion

🏡 Self-Build

🔑 Bridge to Let

Site & Scheme

Development Type

Number of Units

Planning Status

Location

Site Ownership

Warranty Provider

Costs & Values

Land / Site Purchase Price (£)

Current Site Value (£)

Leave blank if same as purchase price

Build / Refurb Costs (£)

Professional Fees (£)

Contingency (%)

GDV — Gross Development Value (£)

Total Costs

—

Profit on Cost

—

Developer Margin

—

Loan Requirements

Term (months)

Interest Treatment

Include Mezzanine?

Max Loan Mode Calculate maximum facility

Crystal Fee £2,995

Experience & Applicant

Developer Experience

Applicant Type

Completed Similar Schemes?

Personal Net Worth (£)

Deposit / Equity Available (£)

Exit Strategy

Pre-Sales Achieved (%)

Enter development details

Fill in purchase price, build costs, and GDV to see which lenders will fund the project.

Commission Calculator

Quick Search (type lender name)

Full Calculation

Loan Sector

Lender

Loan Amount (£)

Deal Type

Payment Route / Network

Commission Calculator

Search for a lender or select a sector and loan amount to see your commission breakdown.

Lender Control Panel

Edit rates, fees, stress tests, and LTV bands. Changes save to server (shared with all users).

Calculator

Enter applicant details

Enter BTL details

Enter commercial details

Enter bridging details

Enter second charge details

Enter development details

Commission Calculator

Lender Control Panel

Import Products from CSV