How much can I borrow?

There are two factors that will determine how much you can borrow:

• How much you can afford to repay each month
  The lender will want to know about your income and current commitments, to be satisfied that you can meet the repayments. However, in our experience most people have a pretty clear idea of how much they can afford. Have a look at our Quick & Easy Loan Repayment Reckoner. From this you can see the monthly repayments and the amount of loan that repayment will secure for you.
   
• The valuation of your property
  Your loan will be secured against your property. Lenders offer up to 100% of valuation (yes, you can actually borrow the full value of your house!).
  The lender may wish to inspect your property for valuation purposes.