Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated July 18, 2019

Secured Loan Calculator

Use the calculator below to find out how much the loan will cost and get an idea of the monthly repayments and interest charges. To get an exact quote you can simply request a quote from our top choice experts below. Secured loans are only available to homeowners and can be repaid over the long term up to 30 years.

This calculator will give you an idea of costs. The exact amount and APR payable will be provided from the lender subject to credit and affordability checks.

Your monthly payment will be:


Interest on this loan will be:


Annual Percentage Rate (APR):


Total repaid will be:


Homeowners - Our award winning experts can compare the cheapest loan deals from over 19 approved Lenders. All credit types accepted:

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

Questions? Call us on 0161 820 8099

1 providers expertly compared:

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All credit types
Rated 5.0/ 5

Smart Money Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£10,000 - £1,000,000

Representative APRC
From 7.1%

Loan Term
3 - 35 years

Loan Type
& Buy to Let

Homeowners Only
Max LTV 100%

Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner and buy to let loans. They are independent and have access to the major lenders in the market. All quotes are free and without any obligation.

Representative Example

How can I find out the monthly loan repayments?

Secured loan repayments calculations

Use the secured loan calculator above to get an estimate of the monthly repayment amounts. You can vary the loan amount and payment terms to suit your budget. The exact interest rates and loan amount available will depend on your personal circumstances, home equity and affordability. Apply for a quote above to get a personal illustration from our secured loan experts.

Can I calculate what fees I will need to pay?

When you apply for a personal quote the advisor will be able to explain what broker and lender fees apply to the loan. The fees payable will very depending on the lender and the amount of loan requested.

How much can I borrow?

This will depend on a range of personal factors such as how much equity you have in your property and affordability of the loan. When you request a secured loan quote here on the website the advisor will be able to provide you with how much you can borrow. Secured loans are available for homeowners only from £3,000 to £250,000 over a maximum repayment term of 30 years.

Can I get an interest only loan and what would it cost?

To find out what interest only secured loan products are available we would suggest you apply for a quote above. A broker will then assess your application requirements and provide you with some options from their lender panel.

Can I use this calculator with bad credit?

If you have ‘bad credit’ it is mostly likely you will pay a higher rate of interest on your loan than compared to someone with no credit issues. Request a quote from our brokers here on the website to get an accurate appraisal from a loan underwriter.

Related Products

Bridging Loan Calculator

Need a short term loan to 'bridge the gap' until you can refinance your property? Use our bridging loan calculator to get an estimate of the costs or request a quote and advice from our expert brokers.



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Warning: Late repayment can cause you serious money problems.
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