Bridging Finance

How much can I borrow?

Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.

Whole-of-Market Access: Over 10,000 specialist lending products
Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
FCA-Authorised Guidance: 35+ years independent UK credit brokerage

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Borrow Secured Loan: How much can I borrow with a secured loan?

How much can I borrow with a secured loan?

The amount you can borrow with a secured loan varies drastically according to the borrowers circumstances. Most of the loans we arrange at Promise are introduced to us by other brokers. They know we have the largest panel of lenders on the market and 30 years of expertise in finding the best solution. You are cutting out the middle man by applying directly to Promise online today.

How secured loans work…

Here are the key factors each lender considers in determining how much you can borrow on a secured loan and the rates they will offer.

Loan to Value (LTV)

LTV is the percentage of borrowing you secure against your property. For example, if your property is worth £100K and your borrowing is £50K, your LTV is 50%. Your borrowings divided by the value of the property.

The lower the LTV the better rates are likely to be available. However, there are lenders which will lend up to 100% of your property value, even if you have had credit problems. An experienced adviser will match you with the best lender.

Example: if your property is worth £300,000 and your mortgage is £250,000 you could borrow another £50,000 with a secured loan which takes you up to 100% LTV. (There are lenders which will go up to 120% LTV – ask your adviser).

Affordability

You will probably have already worked out what you can afford and this is a good guide. The latest regulations require that lenders can evidence you can afford the loan now and in the event of interest rates changing.

You will need to provide evidence of your earnings (payslips, accounts, tax computations, etc.) and your adviser will work out which product is suitable so you can afford it now and if your circumstances change. Each lender has different rules so speaking to an adviser is vital.

Credit History

We have the largest panel to ensure our lenders offer a range of products to cater for all different types of credit history. Try our loan repayment calculator (below) which estimates your repayments based off various credit profiles.

If your credit history is perfect you could qualify for the lowest rates on the market. However, even if you have had arrears or CCJ’s over a year ago many lenders will still ignore them and offer very competitive / similar rates.

The more credit problems you have had the fewer lenders will be available. But, even if you have serious recent arrears, CCJ’s, an IVA or even been bankrupt, there are still lenders which will consider your application. Virtually any credit problems can be accommodated up to 75% LTV. However, with current arrears and CCJ’s you may still qualify for loans up to 100% LTV. Again our expert advisers will tell you.

Security

Most loans of this nature are secured on residential property which is in mortgageable condition with a working kitchen and bathroom. Don’t despair if you have removed the kitchen etc. – our advisers could still find options. You can also secure your loan on buy to let, HMO, semi commercial or commercial property – even land. The property type will affect the lenders and rates available. Loans secured on your home for personal use are normally regulated by The Financial Conduct Authority. This gives you extra protection and advice from a qualified expert adviser.

One size fits all?

You need the help of a skilled underwriter / adviser to take all of these factors in to consideration as one size doesn’t normally fit all and there are many other less impactful considerations in finding the best lender.

With over 2500 loan plans available an adviser’s expertise will help you find which one suits you best.

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Whole-of-Market Guidance for Borrow On Secured Loan

Securing competitive terms on borrow on secured loan requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your borrow on secured loan options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Specialist Underwriting & Whole-of-Market Access

Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Bridging Loans Desk to understand how different lending criteria apply to your requirements.

Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.

Speak With Our Specialist Team

Key Takeaways: Borrow On Secured Loan Checklist

Additionally, property valuations can often be expedited or desktop-assessed, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist bridging lenders assess affordability based on property equity rather than strict credit scoring alone.

Consequently, time-critical auction purchases and broken chains can complete in as little as 3 to 7 working days.

Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK lenders.

Specifically, flexible interest options—including retained, rolled-up, or serviced interest—can be tailored to protect your cashflow.

Moreover, facility agreements can be structured with zero redemption penalties as soon as long-term funds are ready.

In addition, non-standard property construction such as timber frame or concrete can be financed without high street restrictions.

Crucially, borrowers facing historic credit blips or complex income structures can secure competitive terms through our panel.

In practice, working with experienced specialist solicitors prevents administrative hold-ups and keeps legal fees completely transparent.

Above all, establishing a verified exit strategy—such as property sale or remortgage—ensures smooth facility redemption.

As a result, property investors and homeowners retain complete control over project timelines and financial commitments.

After all, independent whole-of-market guidance ensures you never pay unnecessary arrangement fees or higher interest margins.

Meanwhile, bridging facilities can be secured across multiple properties to maximize borrowing capacity without selling assets prematurely.

Indeed, rapid decision turnaround gives you the confidence to bid decisively at property auctions.

Finally, clear illustrations provide total transparency regarding interest roll-up, arrangement fees, and net advance figures.

Unlike standard mortgages, specialist bridging finance provides fast liquidity when conventional banking channels are too rigid.

Fortunately, regulated bridging options provide statutory protection when securing loans against residential family homes.

Ultimately, dedicated case managers coordinate directly with lenders and surveyors to keep your completion strictly on schedule.

Similarly, adverse credit bridging lenders focus on overall equity and future redemption rather than automated scores.

Because bespoke bridging structures address unique borrower requirements, comparing terms across 90+ lenders guarantees optimal results.

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