Mortgage Affordability Calculator
Use HSBC UK's online Mortgage Affordability Calculator to estimate the maximum loan amount you might borrow, based on your income and deposit.
How It Works
- Enter your income, property value, and deposit amount.
- Select if you are a first-time buyer, a Premier customer, or both, using the drop-down options.
Special Considerations
Premier customers and first-time buyers might qualify for higher borrowing limits than standard amounts. The calculator will automatically display any increased loan amounts you might be eligible for.
Loan to Value (LTV) Ratio
If you have a property in mind, enter its value along with your deposit to see your Loan to Value ratio. This helps you compare interest rates effectively.
Additional Tools
You can also use the mortgage finder tool to explore different residential mortgage options and get an idea of your potential monthly payments.
Not Yet Found a Property?
Simply input your gross annual income (before tax), and the calculator will show you the maximum amount you could borrow based solely on your income.
“Premier customers and first-time buyers may be able to borrow more than our usual lending limits. The higher amount will be automatically displayed on the calculator, so you don't have to do anything to understand what we may be able to lend you.”
Author’s summary: HSBC UK's Mortgage Affordability Calculator helps users estimate their borrowing potential quickly by factoring in income, deposit, buyer status, and property value for tailored mortgage insights.