Secured Loan Calculator
The urgent loan repayment tool is the best way for knowing exactly what a residential bridging loan will cost you or how much you can actually borrow before committing. We can approve fast and deposit in just days, perfect for avoiding delays or missing out.
Residential Bridging Calculation
Secured Loan Quote:
Total Security Value: £400,000.00
Gross Loan: £103,008.00
Gross LTV: 25.75%
Interest Rate: 0.84%
Breakdown
Arrangement Fee (2%): £2,000.00
Broker Fee (1%): £1,000.00
Total Interest: £10,080.00
Net Loan: £100,000.00
Legal Fees: £750.00
Valuation Fees: £380.00
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Homeowner Loan Quotes
Try our free bridging loan calculator designed specifically for UK homeowners.
It’s super straightforward and simple – just type a few details about your property value, how much you need to lend, and the loan length you want. In just a few seconds you’ll see a clear breakdown of the total interest and repayment figure in full. It’s only to be taken as a best estimate, but it saves hours of guesswork on your side.
Bridging loans are perfect when a homeowner needs a loan secured against their home. Maybe you’ve found your dream house but haven’t sold yet, you’re buying at auction, doing a refurb to flip for profit, or just need to unlock a little equity in a hurry. The loan can be sorted in quick time – the money can be with you in days at best, not weeks (or longer).
Common eligibility for a UK secured homeowner loan
- Minimum ask of £25,000 (maximum £500K)
- Up to 75% loan-to-value (more if a strong exit)
- You own a residential property to use as security
- Clear plan to repay - usually selling or refinancing
- Proof of identification and residency address
- Must be at least 18 years of age to apply
This is perfect for:
- A homeowner who’s moving house and got stuck in a chain
- Wanting to downsize to a more suitable property size
- Snapping up a steal at a property auction
- Doing a light or heavy renovation to sell on or add value
- Need a short-term secured loan borrowed against your house
Making finance accessible to UK homeowners
- Give our homeowner loan calculator a quick try - it can be done in not even one minute and gives real numbers instantly. When you’re ready for your proper quote, we’re only a quick call away and we’ll sort everything promptly.
- Fast decision, same-day agreements in principle. Funds with you in as little as 48 hours. Let’s get your next move sorted, quickly.
