​​​Please use our affordability test below to pre-assess your own situation where all the figures should be considered as GBP. It is for UK residents above the age of 18 in full employment with an annual gross income in excess of GBP 23,000. When a joint application is considered average figures per applicant should be input in the appropriate fields. Please bear in mind that the possible outcome you will see at the end of the test is only an initial indicator and does not present an undertaking on our part and should not be taken as a final assessment. Ultimate credit assessments will be carried at a later stage following our receipt of the requested items.​​