How Much Can I Borrow

Are you thinking of buying a home? Use this calculator to estimate how much you could borrow based on your income and deposit.

The results should not be considered a substitute for financial advice. Please contact our team to discuss further.

Your details

Annual income Include your annual income before tax, salary, bonuses, benefits, or self-employement.

Additional applicant income (optional) Include additional applicants annual income before tax, salary, bonuses, benefits, or self-employement.

Deposit Enter the amount of money you want to pay towards the property.

Your results

You could potentially borrow up to Your borrowing potential is 4.5x your income. However, this can increased based on various factors.

£0

With your deposit

£0

Loan to value (LTV) LTV (Loan-to-Value) shows the percentage of the property’s value you’re borrowing. A lower LTV often means better mortgage rates and more product options.

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95% LTV mortgages are typically aimed at first-time buyers. Aim for at least 90% LTV or lower for a larger pool of products.

How can we help you?

Book your initial conversation today

We are here to assist and welcome your enquiries. Please feel free to contact us using your preferred method below, and a member of our team will respond as soon as possible.

Where we are

HCF Partnership
Ground Floor, 8 Beaumont Gate,
Shenley Hill, Radlett,
Hertfordshire, WD7 7AR

We invite you to visit our office. To ensure we can give you our full attention, we suggest calling ahead to schedule an appointment with one of our advisers before your visit. We look forward to seeing you.

Call us

020 8236 3330

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