Enter your income, expenses and the loan you're considering. Get a detailed affordability verdict including a stress test at higher interest rates — before you apply.
| Rate Scenario | Monthly EMI | Disposable Left | DTI | Result |
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Since the FCA's responsible lending rules (2014, strengthened 2021), UK lenders must conduct detailed affordability assessments. They look at verified income, committed expenditure and your ability to repay without undue hardship.
A stress test shows whether you could still afford repayments if interest rates rose by 1–3%. Mortgage lenders are legally required to stress test. For personal loans it isn't mandatory — but prudent borrowers should check before committing.