Secured Loan Calculator
Calculate secured loan costs
Get an indicative repayment calculation for your secured loan quote. To discuss quotes in more detail please call us.
This tool is for illustrative purposes only
Ready to get a proper quotation?
Click the button shown opposite.
How our UK secured loan calculator works
Using our UK secured loan calculator is simple. Just enter:
- The amount you want to borrow
- Your preferred repayment term
- Your estimated secured loan rates
Once submitted, you will see your estimated monthly repayments and total loan cost over the term. You can then follow up with a personalised quote by speaking to our team.
Our calculator is ideal if you are:
- Comparing loan amounts and repayment terms
- Checking your secured loan repayment calculator figures
- Budgeting based on expected costs
- Exploring borrowing options before applying
Why use a secured loan calculator?
A calculator gives you clarity on:
- What you can afford to borrow
- What your monthly repayments may look like
- How different rates affect the total cost
- The difference between short- and long-term borrowing
While the tool is a great starting point, we always recommend speaking with one of our advisers to confirm live rates and ensure you meet the lender’s criteria.
Second-charge mortgage calculator
If you already have a mortgage in place and are borrowing against your home, our calculator can also be used as a second charge mortgage calculator. By inputting your loan size, term, and rate, you can assess the cost of additional borrowing without affecting your existing mortgage deal.
We also track competitive second charge mortgage rates and can help you structure funding for personal, business, or property investment purposes.
Bad credit secured loan calculator
If you have a poor credit history, you can still use our bad credit secured loan calculator to estimate repayments. Lenders may charge a slightly higher interest rate, but securing the loan against property often makes borrowing more accessible compared to unsecured options.
We work with a range of lenders who specialise in helping people with CCJs, defaults, or other historic issues secure affordable funding.
Estimate your borrowing with speed and clarity.
If you’re thinking about borrowing against your property, our secured loan calculator is the perfect place to start. It gives you a quick estimate of your monthly repayments, total interest, and loan affordability based on your chosen loan amount, term, and rate.
Whether you’re consolidating debts, funding renovations, or raising capital for a business venture, knowing your numbers is essential. We provide the tools and advice to help you plan with confidence.
What affects secured loan rates?
The interest rate on secured loans depends on several factors, including:
- Your credit profile
- Loan-to-value (LTV) ratio
- Property value and equity available
- Term length
- Whether you are a homeowner or landlord
We compare the best secured loan rates from across the market, including specialist lenders not available directly to the public. This allows us to secure the best rates for secured loans, tailored to your situation.
Secured loan features
We arrange a wide range of secured loans, including:
- Fixed and variable rates
- Terms from 3 to 30 years
- Interest-only or capital repayment
- Loans for residential, BTL, and mixed-use properties
- Secured short-term loan options are also available
Our team will find the most competitive structure to meet your needs and monthly budget.
What can a second charge
secured loan be used for?
Want to know more about secured or second charge loans?
Get started today
Whether you are exploring a standard secured loan or reviewing second charge mortgage rates, our team will help you make sense of the numbers.
We are here to help you understand your borrowing power and match you with the most suitable solution.
Use the calculator now, then contact us for clear, expert advice.
Next steps after using the calculator
Once you’ve used our secured loan calculator, you can:
- Request a personalised quote from our team
- Compare secured loan rates from multiple lenders
- Apply online and get your application started
- Ask us to review your affordability and options in more detail
