Borrowing Power Calculator
How Much Can I Borrow?
Find out how much you could borrow with a secured loan based on your property, mortgage, and income.
Your Details
Maximum You Could Borrow
£105,000
Based on 85% max LTV
Indicative Monthly Payment
£973
at 7.5% over 15yrs
Available Equity
£150,000
property value − mortgage
Current LTV
50.0%
New LTV (with loan)
85.0%
How Secured Loan Borrowing Is Calculated
The amount you can borrow with a secured loan depends on three key factors: your property equity (the difference between your home's value and your outstanding mortgage), your income, and your credit profile.
Most UK secured loan lenders will lend up to 85% of your property's value (loan-to-value or LTV), minus your existing mortgage. With adverse credit, this may be reduced to 75%. Income is also assessed to ensure affordability — typically lenders allow borrowing of 3–5× your annual household income.
Secured loans range from £3,000 to £500,000 with terms of 5 to 25 years. As an FCA-authorised broker, Secured Loan Hub compares deals from our panel of specialist lenders to find the best option for your circumstances.