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How much can I borrow?

Discover how much you could borrow using this simple calculator

Calculate how much you could borrow

Use this calculator to get an indication of how much you could borrow based on your income.

What you'll need

The calculator will ask you for your income, a property value and deposit amount.

If you've already started looking for properties, you can enter a property value and deposit amount into the calculator, and we'll show you your Loan to Value (LTV) ratio. This will allow you to check the rates that are available to you.

If you've not found a property yet, just enter your gross annual income (yearly income before tax) and we’ll show you the maximum amount we could lend you based on your income alone.

Please note that the figure provided does not take account of your individual circumstances, such as your household expenditure, your credit history or the condition of the property. We strongly recommend that you get a Decision in Principle, which is a personalised estimate of how much you could borrow. Please also refer to the 'Important information' section below.


Next steps


I want to find out what my monthly payments could be.


I want to see which rates I can apply for.


I want to get a personalised estimate of how much I could borrow, and begin my application.

Important information

  • a maximum of 2 applicants can apply for a new HSBC mortgage
  • the maximum amount you can borrow may be lower depending on your LTV and following our assessment of your personal circumstances
  • figures given by this calculator or the provision of a Decision in Principle do not constitute an offer to lend to you
  • if you're resident in the Channel Islands or Isle of Man, please contact your local branch to obtain an indication of the amount you may be able to borrow


Think carefully before securing any other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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