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How much can I borrow?

At The Cambridge we pride ourselves on responsible lending and it's important to us that we don't lend you more than you can afford to repay.

We will assess your ability to make regular payments and to repay your mortgage based on your individual circumstances. This will include asking how much deposit you have and assessing your income and outgoings (expenditure). We'll then be in a position to let you know how much you can afford to borrow. We can consider lending you up to 4.5 times your sole or joint income as long as we are comfortable that you can afford to repay the loan.

When we know how much you can afford to borrow your Mortgage Adviser will then be in a position to recommend a mortgage product to you that meets your individual needs.

We also consider the amount of the loan required as a percentage of the property’s value.

The following is a guide - please refer to the individual mortgage deals to confirm the amount you can borrow based on the value of the property.

Reason for loan

Amount you can borrow 

Home purchase
(depending on mortgage product)
Up to 95% of the property's value
Remortgaging
(depending on mortgage product)
Up to 90% of the property's value
Additional borrowing
(depending on mortgage product)
Up to 90% of the property's value
Buy to Let Up to 75% of the property's value


Our lending limits may differ for new build properties and different property types may require larger deposits - get in touch for more information.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE