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Our Coronavirus FAQ page has details on the latest changes to our loan products and repayments.

Secured Loan & Mortgage Calculator


If you want to see how a loan agreement breaks down on a month-by-month basis, our secured loan and mortgage calculator can help.

Start by choosing between a Secured Loan calculator or a Mortgage 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 idea of how much you’ll pay back over the course of your loan – although the final amount will depend on your personal situation.


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

Secured Loans
Mortgages
Masthaven
Masthaven
Initial Rate

3.64%

Total Repayment

£17,914.80

Monthly Repayments

£149.29

Shawbrook Bank
Shawbrook Bank
Initial Rate

4.10%

Total Repayment

£18,313.20

Monthly Repayments

£152.61

United Trust Bank
United Trust Bank
Initial Rate

4.45%

Total Repayment

£18,436.80

Monthly Repayments

£153.64

Precise
Precise
Initial Rate

4.25%

Total Repayment

£18,436.80

Monthly Repayments

£153.64

Optimum
Optimum
Initial Rate

4.99%

Total Repayment

£19,084.80

Monthly Repayments

£159.04

West One
West One
Initial Rate

5.85%

Total Repayment

£19,854.00

Monthly Repayments

£165.45

Step One
Step One
Initial Rate

8.90%

Total Repayment

£20,806.80

Monthly Repayments

£173.39

Oplo
Oplo
Initial Rate

8.00%

Total Repayment

£21,831.60

Monthly Repayments

£181.93

Norton Home Loans
Norton Home Loans
Initial Rate

8.30%

Total Repayment

£22,129.20

Monthly Repayments

£184.41

Central Trust
Central Trust
Initial Rate

8.50%

Total Repayment

£22,314.00

Monthly Repayments

£185.95

Equifinance
Equifinance
Initial Rate

8.75%

Total Repayment

£22,556.40

Monthly Repayments

£187.97

Evolution
Evolution
Initial Rate

9.40%

Total Repayment

£23,188.80

Monthly Repayments

£193.24

Lesley Stephen & Co
Lesley Stephen & Co
Initial Rate

12.00%

Total Repayment

£25,825.20

Monthly Repayments

£215.21

Barclays
Barclays
Initial Rate

1.24%

Total Repayment

£106,358.40

Monthly Repayments

£886.32

Platform
Platform
Initial Rate

1.29%

Total Repayment

£106,674.00

Monthly Repayments

£888.95

Leeds Building Society
Leeds Building Society
Initial Rate

1.34%

Total Repayment

£106,926.00

Monthly Repayments

£891.05

The Mansfield Building Society
The Mansfield Building Society
Initial Rate

1.99%

Total Repayment

£107,179.20

Monthly Repayments

£893.16

Principality
Principality
Initial Rate

1.42%

Total Repayment

£107,306.40

Monthly Repayments

£894.22

Virgin Money
Virgin Money
Initial Rate

1.44%

Total Repayment

£107,432.40

Monthly Repayments

£895.27

Accord Mortgages
Accord Mortgages
Initial Rate

1.65%

Total Repayment

£108,577.20

Monthly Repayments

£904.81

Metro Bank
Metro Bank
Initial Rate

2.59%

Total Repayment

£113,626.80

Monthly Repayments

£946.89

Aldermore
Aldermore
Initial Rate

3.18%

Total Repayment

£116,872.80

Monthly Repayments

£973.94

Kensington
Kensington
Initial Rate

3.19%

Total Repayment

£116,940.00

Monthly Repayments

£974.50

Masthaven
Masthaven
Initial Rate

3.39%

Total Repayment

£118,078.80

Monthly Repayments

£983.99

United Trust Bank
United Trust Bank
Initial Rate

3.80%

Total Repayment

£120,379.20

Monthly Repayments

£1,003.16

NatWest
NatWest
Initial Rate

1.19%

Total Repayment

£171,333.60

Monthly Repayments

£1,427.78

Don't just take our word for it

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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’re a broker and not a bank, we’re not limited to our own products. 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 one of the breakdown of one of the loan products above and want to know more, click the Apply button to the right for more information and to fill in a few quick details about yourself. Or call 0808 231 5994 any time, for quick phone service.

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 4 to 5 times your salary (or combined salary if making a joint application). In some circumstances, lenders will lend up to 6 times your salary subject to other qualifying criteria. It is important that your mortgage is affordable now and in the future.

How long should I borrow for?

You should always aim to pay off your loan as quickly as you can afford based on the monthly repayments, as interest charges can potentially make a loan more unaffordable over time.

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 an experienced customer manager, 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 – just pick up the phone.

Will there be any early repayment charges?

If you want to consolidate a loan taken out after 1st February 2011, you can make partial overpayments of up to £8,000 per year, free of charge. Go over this amount and your lender can charge you for overpaying, provided they have incurred a cost themselves. If you repay a loan in full you could be charged an early repayment penalty of between one to two months’ interest. You should be able to find the amount on your loan agreement.

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