Your first home
No mortgage history, a deposit you've fought for, and forms that assume you've done this before.
A clear report of what's within reach, built from how you actually manage money, not your lack of a track record.
Moxim mortgage-readiness check: see where you stand from your own bank data, read-only and illustrative.
Your starting point
Wherever you’re starting. One honest read.
Lenders judge everyone by the same blunt rules. Moxim starts with where you actually are, and shows you what’s within reach, honest and entirely yours.
Income that doesn't fit a box
Self-employed, freelance or company director, and lenders keep flattening months of real earnings into one number they don't quite believe.
Your variable income read in full — every payment and outgoing categorised through the affordability methodology lenders apply — an illustrative methodology, not a regulated assessment or a lending decision — a view that finally reflects how you really earn.
Moving up, or remortgaging
You’ve built real equity and a steady record, yet every move means starting the affordability conversation from scratch.
A credential that carries your standing forward; see what your next step looks like, illustratively, without retelling your whole story.
Building a rental portfolio
Rental income, multiple properties, layered finances, and underwriting that treats each new property like you've never done this.
Your portfolio’s behaviour read as the asset it is, an illustrative view of where the next property could sit, grounded in the conduct signals lenders trust.
Every picture here is illustrative: a starting point, not a quote, an offer, or a lending decision. Moxim is not FCA-authorised, does not arrange mortgages, and gives no advice.
How it works
Three steps. Minutes, not weeks.
Connect your bank
You consent to read-only access and we analyse five sources on your behalf: Open Banking, identity, government records, credit profile and property.
See your readiness
An affordability report using the same methodology lenders use. We guide your broker or lender to see your finances the way you do. Your lender makes the final lending decision.
Own your credential
A verified credential that’s yours to share with any broker or lender on Moxim. Sign up for early access.
Your readiness
A calm, clear picture of where you stand.
Moxim gives you no score that pretends to be a decision. Just an honest, illustrative view.
The rule-of-thumb range
Example figuresIncome multiplied 4 to 5 times: a starting point, not a cap. Regulators limit how much lending above 4.5× income a lender can do, so many treat it as a working ceiling.
- 4× income£180,000
- 4.5× income£203,000
- 5× income£225,000
Illustrative, based on an example income. Moxim provides you with a picture of where you stand and not a decision, a quote or confirmation of eligibility. Moxim does not give advice or arrange mortgages.
4 to 5 times income is your starting point, not a cap. Regulators cap lending above 4.5 times income, so many lenders treat it as a working ceiling. Moxim helps brokers and lenders understand your fuller financial picture, so the lending decision — which is always theirs — starts from a clearer view.
It crystallises into a credential: yours.
A verified summary of your readiness, built from your own bank data. Yours to keep and take to any broker or lender on Moxim.
Moxim Readiness Credential · your view
- Identity (KYC + AML screened)
- Income (Government-sourced)
- Affordability
- Property valuation (Moxim)
- Creditwith your authorisation
- Open Banking: account facts
- Open Banking: behavioural detailconduct signals, withheld from the broker view
The credential is yours, held by you. You are free to share it with any broker or lender. An authentication seal is affixed to the report once you connect your data.
Illustrative demo credential: not a quote, an offer, or a lending decision.
One credential, three views. You decide who sees what.
One verified credential, held by you and shown on your terms. You choose who sees it, and how much, with disclosure widening only on your explicit say-so.
One credential, three views
How each party sees your credential. Toggle to compare.
- Identity (KYC + AML screened)
- Income (Government-sourced)
- Affordability
- Property valuation (Moxim)
- Creditwith your authorisation
- Open Banking: account facts
- Open Banking: behavioural detailconduct signals, withheld from the broker view — withheld from this view
Broker view
Your broker sees what they need to advise you. The behavioural open-banking detail stays private, so they can act without holding more than the case requires. The property valuation is Moxim’s own, built from public property data; a lender can still commission its own if they require one.
Illustrative: the views show disclosure tiers, not a lending decision.
What changes for you
From scattered and uncertain, to ready and yours.
Same you, same numbers, a calmer way to arrive at them. Less proving yourself, more progress and your readiness in hand whomever you choose to borrow from.
ThenWeeks of digging out statements and payslips and re-sending the same documents to everyone who asks.
NowVerified once, in minutes. You walk into any broker or lender on Moxim already prepared, with nothing to dig out again.
ThenQuietly guessing what's within reach, then bracing yourself for the answer.
NowA calm illustration of where you stand before you speak to anyone.
ThenYour financial life scattered across banks, inboxes and half-filled forms.
NowOne credential you hold and control, sharing only what you choose, with whom you choose.
ThenStarting from zero with every new broker, retelling the same story each time.
NowYour readiness report travels with you, built once and ready wherever you take it.
Illustrative, based on an example income. Moxim provides you with a picture of where you stand and not a decision, a quote or confirmation of eligibility. Moxim does not give advice or arrange mortgages.
Verified data. A mortgage-ready report. Yours.
Get early accessIllustrative figures only — a picture of where you stand and not a decision, a quote or confirmation of eligibility. Moxim does not give advice or arrange mortgages.
Moxim is not yet authorised by the Prudential Regulation Authority or regulated by the Financial Conduct Authority.