NatWest Intermediary Solutions has updated its residential affordability calculator brokers can use for self-employed clients.

The addition of four more fields means that brokers will no longer need to consult with a business development manager “for the majority of cases.”

These new fields comprise loan amount on capital and interest cases; self-employed applicant one and two; NatWest product rate; and personal loan balance including car finance and credit card balances.

Student loans will also need to be included in the affordability assessment.

In a note to brokers, the lender iterates that the calculation is not a full agreement of the case, and that underwriters may still decline cases that have passed affordability calculations.