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Homeowner Secured Loan & Mortgage Calculator


Find out how much you could afford to borrow and get an idea of monthly repayments on a loan or mortgage, with our secured loan and mortgage calculator.

Start by choosing between the Secured Loans calculator or Mortgages calculator from the two tabs below.

Then simply select an amount from the sliders below to choose how much you want to borrow, and for how long. The results will give you an indication of how much you’ll pay back over the course of your loan – although the final amount will depend on your personal situation.

The minimum rate we offer is 4.32% and the maximum is 65.2%. Rates will vary depending on the loan amount and your individual circumstances.


Alternatively, call FREE on 0800 694 5566 Open 24 hours a day.

Secured Loans
Mortgages
United Trust Bank
United Trust Bank
Initial Rate

6.59%

Total Repayment

£27,358.80

Monthly Repayments

£227.99

Step One
Step One
Initial Rate

6.75%

Total Repayment

£27,565.20

Monthly Repayments

£229.71

Pepper Money
Pepper Money
Initial Rate

6.95%

Total Repayment

£27,801.60

Monthly Repayments

£231.68

West One
West One
Initial Rate

7.10%

Total Repayment

£27,994.80

Monthly Repayments

£233.29

Tandem Home Loans
Tandem Home Loans
Initial Rate

7.20%

Total Repayment

£28,113.60

Monthly Repayments

£234.28

Selina Finance
Selina Finance
Initial Rate

8.05%

Total Repayment

£29,185.20

Monthly Repayments

£243.21

Evolution
Evolution
Initial Rate

9.60%

Total Repayment

£31,186.80

Monthly Repayments

£259.89

Central Trust
Central Trust
Initial Rate

9.69%

Total Repayment

£31,297.20

Monthly Repayments

£260.81

Equifinance
Equifinance
Initial Rate

9.95%

Total Repayment

£31,647.60

Monthly Repayments

£263.73

Spring Finance
Spring Finance
Initial Rate

10.50%

Total Repayment

£32,384.40

Monthly Repayments

£269.87

Norton Home Loans
Norton Home Loans
Initial Rate

11.50%

Total Repayment

£33,738.00

Monthly Repayments

£281.15

Lesley Stephen and Co
Lesley Stephen and Co
Initial Rate

15.00%

Total Repayment

£38,720.40

Monthly Repayments

£322.67

NatWest
NatWest
Initial Rate

4.30%

Total Repayment

£184,784.40

Monthly Repayments

£1,539.87

Leeds Building Society
Leeds Building Society
Initial Rate

4.44%

Total Repayment

£186,028.80

Monthly Repayments

£1,550.24

Barclays
Barclays
Initial Rate

4.46%

Total Repayment

£186,236.40

Monthly Repayments

£1,551.97

Principality
Principality
Initial Rate

4.98%

Total Repayment

£190,742.40

Monthly Repayments

£1,589.52

Metro Bank
Metro Bank
Initial Rate

5.09%

Total Repayment

£191,692.80

Monthly Repayments

£1,597.44

Accord Mortgages
Accord Mortgages
Initial Rate

5.19%

Total Repayment

£192,646.80

Monthly Repayments

£1,605.39

Kensington
Kensington
Initial Rate

5.29%

Total Repayment

£193,497.60

Monthly Repayments

£1,612.48

Mansfield Building Society
Mansfield Building Society
Initial Rate

5.43%

Total Repayment

£194,670.00

Monthly Repayments

£1,622.25

Aldermore
Aldermore
Initial Rate

5.44%

Total Repayment

£194,776.80

Monthly Repayments

£1,623.14

Precise
Precise
Initial Rate

5.44%

Total Repayment

£194,776.80

Monthly Repayments

£1,623.14

Tandem
Tandem
Initial Rate

5.69%

Total Repayment

£197,028.00

Monthly Repayments

£1,641.90

The Mortgage Lender
The Mortgage Lender
Initial Rate

5.79%

Total Repayment

£197,889.60

Monthly Repayments

£1,649.08

Buckinghamshire Building Society
Buckinghamshire Building Society
Initial Rate

5.99%

Total Repayment

£199,728.00

Monthly Repayments

£1,664.40

Pepper Money
Pepper Money
Initial Rate

6.09%

Total Repayment

£200,596.80

Monthly Repayments

£1,671.64

Bluestone Mortgages
Bluestone Mortgages
Initial Rate

6.34%

Total Repayment

£202,887.60

Monthly Repayments

£1,690.73

United Trust Bank
United Trust Bank
Initial Rate

7.29%

Total Repayment

£211,752.00

Monthly Repayments

£1,764.60

Together
Together
Initial Rate

8.40%

Total Repayment

£222,212.40

Monthly Repayments

£1,851.77

We've provided our customers with loans for over 50 years

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Extremely helpful and efficient.

“Norton Finance kept me informed at all stages of the application which was successful. Would highly recommend.”

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Absolutely faultless.

“Efficient, speedy, informative, polite all due to your wonderful staff. They are a credit to you.”

Money made easy

Whatever your circumstances, Norton Finance can help. Since we have access to hundreds of loan plans, we’re not limited to our own products like a high street bank or building society would be. That means more choice for you.

We’ll make the comparison for you

We search top lenders to find a secured loan or remortgage that’s right for your circumstances, just like a comparison site. But unlike a comparison site, we’ll also help you manage your application from beginning to end.

Frequently Asked Questions

Find out more about borrowing with Norton Finance.

How do I apply?

If you’re happy with the breakdown of one of the loan products above, click the Apply button to the right. This will offer more information about the product. It will also ask you to fill in a few quick details about yourself. Or call us anytime using the number at the top of the page.

How much should I borrow?

To keep the cost of borrowing down, we suggest borrowing just the minimum you require over the shortest term possible. Our calculator will show you the most up to date terms that lenders are currently offering. However, the rates available to you may differ depending on your own personal circumstances and the amount you wish to borrow. If you’d like to talk through your options, get in touch and we’ll assess your situation to help find the best loan for you.

What can I borrow for a mortgage?

On average, lenders will provide a mortgage based on four to five times your salary, or combined salary if you’re making a joint application. In some circumstances, lenders will give up to six times your salary subject to other qualifying criteria. It’s important that your mortgage is affordable now and in the future.

How long should I borrow for?

The shorter the term of your loan, the less interest you’ll accrue, so the lower the amount you’ll pay back.

For example, if you borrowed £10,000 over three years at 10% interest it would cost you £322 a month or £1,600 in interest charges over that period. Borrowing the same amount over 10 years would only cost you £132 a month, but the total interest charged would increase to a whopping £5,850 – that’s £4,250 extra for spreading the cost.

How long does it take to get a secured loan / mortgage?

We know that it’s important to stay on top of your finances and make sure your plans aren’t tied up in red tape. That’s why we can give you an ‘in principle’ decision on your loan application within 24 hours.

We’ll also keep you in touch with one of our experienced customer managers, who can help guide you through the application to ensure your money arrives as quickly as possible. They’ll keep you updated on your loan application every step of the way – just pick up the phone.

Will there be any early repayment charges?

If you can afford to, you can pay off a loan earlier. The benefit of this is that it can help save you money in interest repayments in the long run. If you repay a loan in full, you could be charged an early repayment penalty – this varies from one lender to another. You should be able to find the amount on your loan agreement.

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