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Mortgages and Mortgage Solutions Page Masthead Shire Direct | freephone 08000 282 281 - Mortgages, Remortgages & Loans to suit your lifestyle!

Why not work out your monthly budget with our handy little Monthly Budget Calculator!

Monthly Budget Calculator

With our Monthly Budget Calculator you can work out how much available funds you have each month based on your monthly income and your monthly expenditure.

Why not give it a try, it's simple to complete and shouldn't take more than a couple of minutes to finish, just enter your monthly income and your monthly expenditure in the boxes below and our calculator will process the results - and as with all our calculators - the information you enter is confidential - we don't get to see your data! Please note, your results will appear underneath the calculator, so you will need to scroll down again after pressing the calculate button.


Your Monthly Income:
Monthly Income (after tax) (£):
Pension Income (£):
State Benefits (£):
Interest / Investment Income (£):
Child Maintenance (£):
Other Income (£):


Your Monthly Expenditure:

Monthly Household Spending:
Food / Groceries (£):
Mortgage / Rent (£):
Council Tax (£):
Electricity (£):
Gas (£):
Telephone & Internet (£):
Water (£):
Other (£):

Monthly Expenditure on Financial Products:
Loan / Credit Card Repayments (£):
Pension (£):
Savings / Investment (£):
Life and Other Insurance (£):
Other (£):

Monthly Leisure & Entertainment Expenditure:
Going Out (£):
Alcohol / Cigarettes (£):
TV Licence / Satellite / Cable (£):
Holidays (£):
Other (£):

Monthly Travel Expenditure:
Getting to and from work (£):
Car (£):
Other (£):

Other Monthly Expenditure:
Other 1 (£):
Other 2 (£):
Other 3 (£):
Other 4 (£):
Other 5 (£):

NOTE: To see your results, just press the Calculate button below - you may have to scroll down to see the results if your computer has JavaScript disabled...

Please note our Budget Calculator is intended to serve as a guide only to illustrate how much available money you may have each month based on the income and expenditure you enter.

Now you have calculated your estimated available monthly funds, you may be wondering how much you can borrow for a mortgage. Well, there are a number of things to consider, your income, employment status, and whether you have a deposit or not, together with any credit problems you may have experienced amongst other factors will all play a part in how much you may be able to borrow. Why not try our handy Mortgage Borrowing Calculator to get an estimate of how much you might be able to borrow on mortgage, and also read our Mortgage Glossary articles on Mortgage Affordability, Income Multipliers, Income Stretchers and Mortgage Underwriting to give you a better idea of how these various different elements may play a part in your mortgage borrowing amount.

Make sure you read the Key Facts Illustration (KFI) provided to you before choosing your mortgage. The information provided here is not a personalised illustration and is subject to an assessment of your income, property value and credit checks.

Call us today for an in-principle mortgage decision!

We hope you found our Monthly Budget Calculator to be useful! If you're looking for a mortgage or remortgage and think Shire Direct can help you, then don't hesitate to give one of our professionally qualified Mortgage advisors a call today on Freephone 08000 282 281, our lines are open 7-days a week from 8am until 10pm and we'll be delighted to provide you with a rapid in-principle decision. If you prefer, you can also enquire online at any time, in either instance, we'll be more than happy to assist in any way we can!

Enquire Online now, or call us today 08000 282 281 - our freephone lines are open 8am-10pm everyday! We'd love to hear from you!

Mortgages/Remortgages: The overall cost for comparison is 9.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.

There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances. For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.

Homeowner Loans: Rates from 8.9% APR variable, but typically 13.9% APR variable. Most customers are likely to receive a lower rate or the same rate as our typical variable rate - learn more about APR. Shire Direct also has a range of non-conforming loan plans with rates up to 19.9% APR. These plans are designed to help those who may have a more difficult credit history, including CCJ's and credit arrears, IVA and bankruptcy problems.
A broker fee of between 0% and 10% of the loan advance may be charged for arranging a secured loan.
All loans subject to status and secured on property.
The actual rate available will depend upon your circumstances. Written quotations on request.

THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Adding existing debt to your mortgage will increase the repayment term and overall cost.

Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.

Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.