TMX (Total Moving Experience) provide the following property finance and mortgage deals:

Find the best mortgage deals for buying a property. Everything you need to finance your house move.
Calculate your mortgage costs with our quick quote and undertake a Mortgage Qualification.
Switch to a more competitive mortgage or select one of our current best mortgage deals.
Workout out your borrowing using our calculators. Also, use the calculators for the budget planner.

Total moving experience (Felicity j Lord). UK Property portal website http://www.fjlord.co.uk - makes property mortgages easy.

borrowing calculator

Before you start looking for a new home or decide to increase your mortgage, it makes sense to know how much you can borrow.

Lender's attitudes vary, but they will usually lend you between 3 and 3.25 times your annual income before tax if you're applying for a mortgage on your own. If you're applying with somebody else, they will usually lend either between 3 and 3.25 times the main income plus the second income or 2.5 times the two incomes added together.

This calculator gives you a chance to estimate how much you can borrow. Please note that your full financial situation will be taken into account when being assessed for a mortgage.

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Find out how much a single applicant can borrow

Find out how much joint applicants can borrow


Annual income £	*
Multiplied by	*


First income £	*
Multiplied by	*
Second income £	*
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Combined incomes multiplied by	*

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Written quotations are available on request. Subject to status. Contracts of insurance may be required. A professional brokerage fee of up to 1.95% may be charged.

Mortgages Direct Limited, authorised and regulated by the Financial Services Authority. Registered in England and Wales No. 2780784. Registered Office: Wellington House, Butt Road, Colchester, Essex, CO3 3DA.



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