How Much Can I Borrow (HMCIB) Calculator?

The HMCIB calculator can be used to help give you an idea of how much the Bank will lend you based on your income and outgoings and your deposit. This is for guidance only, the actual amount you can borrow will be confirmed to you in writing following a full assessment of your income and outgoings and after considering the impact of the new mortgage and running costs of your home. Please complete the following fields in order for us to provide you with an estimate.

How many people are applying for the mortgage loan ?

Please enter the number of people that are applying for the mortgage loan. This number should reflect how many people will be or currently are on the property title. If this will be/is four or more, please call us for more information.

What is the current age of the oldest applicant ?

Please enter the current age of the oldest applicant. If this person will not be financially contributing to the loan, or is 65 and over, please call us for more information.

What is your annual income ?

Please enter your basic salary, plus any other income (bonuses, dividends, pension etc.) that you can provide confirmation of.

£

How much deposit do you have ?

If you are remortgaging, please give an estimate of the current equity that you have in your home. (value of your home, minus any current outstanding mortgage).

£

Fill in the amount of any outstanding Loans or Credit Cards you currently have

If you are going to be paying these off before application, you do not need to include this. We would however require confirmation that these have been repaid.

£
£

Think carefully about securing other debts against your home
Your home may be repossessed if you do not keep up the repayments on your mortgage.

Our Mortgages
Our Mortgages

Find out what types of mortgage we offer and how we can help you.

Our Services
Our Services

What you can expect from us and what you need to provide to us when applying for a mortgage.

Payment Difficulties
Payment Difficulties

How we can help you should your circumstances change.