With a mortgage a budget planner can be the best way to work out all the deductions to be made from the gross income.
As in the example to the right income and expenditure can be categorised.
Add your figures for yourself (and your partner if appropriate) and tot up the totals to work out your disposable income. Of course your mortgage or rent payments will be replaced by the new figures for your mortgage if you are getting a residential mortgage. Many buy to let mortgages will allow you to work on the basis of potential rental income rather than ability to pay.
