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Mortgages - how much can you afford to borrow?

Just so we are sure that you can afford the monthly repayments - enter your monthly expenses into our calculator to see how much is left from your income at the end of each month. Remember to use your income after all taxes and national insurance is taken off. You should also think about what your mortgage may cost if the interest rate goes up. This is just a guide.


Mortgage £ 
Council tax £ 
House & Contents Insurance £ 
TV Licence & Subscriptions £ 
Life / Pension / Payment Protection Premiums £ 
Utiilities (Water / Gas / Electicityy / Fuel) £ 
Telephone / Mobile / internet £ 
Travel/Petrol £ 
Leisure Expenses £ 
Maintenance Payments £ 
Car Insurance / Road Tax / Car Maintenance £ 
Housekeeping / Childminding / Clothing / Food £ 
Any Other Commitments (e.g. gym membership, private health care plan) £ 
Credit Cards £ 
Store Cards £ 
Bank Loans £ 
Hire Purchase £ 
Car Loan £ 
Mail Order Debts £ 
Other Loans £ 
Net Monthly Income £ 


Some of the above services may not be regulated by the Financial Conduct Authority

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE is a trading style for Thinkofmortgages Ltd, which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
Registered in England & Wales Company 6593593

* We normally do not charge a fee for mortgage advice, however a fee paying option is available. Our typical fee would be £199


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