At DBS we take a personal approach to mortgage underwriting which means we assess each individual case personally rather than using an automated credit scoring system. Our dedicated team of approachable mortgage experts will still be on hand to help you with any queries you may have anytime from 8am to 8pm Monday to Friday and 9am to 1pm on a Saturday.

As a guide we work on an income multiple of 4.5 x joint income.

The affordability calculator below will determine how much we will be able to lend based on the details you provide. For a comprehensive view please use our stress test rate of 7.29% in the repayment calculator.

How much will we lend you?

First Applicant's Income Second Applicant's Income
£ £
£ £
£ £
£ £
£ £

Repayment calculator


How much can you afford to borrow?

Need to discuss your options?

If you have any queries regarding our mortgages, processes or our online system then our dedicated Intermediary Team are on hand to help.

You can call us on:

01325 741004

Or email us at

Our staff are available:

8am and 8pm Monday to Friday
9am to 1pm on Saturdays

Our dedicated team are more than happy to help with any questions or queries