{"id":241425,"date":"2019-09-16T09:01:13","date_gmt":"2019-09-16T08:01:13","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=241425"},"modified":"2025-09-23T11:18:48","modified_gmt":"2025-09-23T10:18:48","slug":"70000-loan","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/secured-loans\/70000-loan","title":{"rendered":"Get a \u00a370,000 loan with the best rate"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Overall representative example<\/strong><br \/>If you borrow \u00a343,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of \u00a3505.18 per month and a total amount payable of \u00a396,994.56. This includes the net loan, interest of \u00a349,404.56, a broker fee of \u00a33,995 and a lender fee of \u00a3595. The overall cost for comparison is 12.7% APRC variable.<\/div><\/article><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"learn\">Can I get a loan for \u00a370k?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>A \u00a370,000 personal loan can make a dramatic impact on your day-to-day life, perhaps by funding home improvements or consolidating existing debt. To get your hands on a loan of this size, you&#8217;ll need to be a homeowner, have accrued more than \u00a370,000 in equity and be <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\">willing to &#8220;secure&#8221; your loan against your property<\/a>. This gives the lender the right to repossess your home if you fall too deep into arrears on your loan repayments.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What can I use a \u00a370,000 loan for?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>In theory, you can use a \u00a370,000 loan for almost anything you like. Lenders typically only stipulate a handful of exceptions \u2013 such as criminal activities, gambling, investments involving risk or using the funds to secure an even bigger loan.<\/p><p>In reality, when a lender evaluates your loan application, they&#8217;ll want to check that you plan to use the money for something sensible. Home improvements that add value to your property, for example.<\/p><p>So, while lenders don&#8217;t go into great detail about the numerous daft ways you could blow \u00a370,000, a sensible purpose for the borrowing will boost your chances of being approved for the loan. Some of the more standard purposes (which lenders encounter frequently and may be more likely to &#8220;rubber stamp&#8221;) include:<\/p><ul><li><strong><a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/secured-home-improvement-loans\">Home improvements<\/a>.<\/strong> Homeowners can also take out a secured loan against their property, which they then use to cover the cost of home improvements.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loans-to-buy-land\">Buying land<\/a>.<\/strong> If you&#8217;re looking to buy land to develop or can&#8217;t opt for a traditional mortgage, you could take out a loan to cover the purchase.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/secured-debt-consolidation-loans\">Debt consolidation<\/a>.<\/strong> If you have multiple large debts, you could use a \u00a370,000 loan to consolidate them into a single loan.<\/li><\/ul><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What are the payments on a \u00a370,000 loan?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>This varies based on both the interest rate you receive and the length of your loan. For example, a \u00a370,000 loan with a 10-year term and 7% fixed annual rate could have monthly payments of around \u00a3813. In comparison, a \u00a370,000 loan with a 20-year term and 9% fixed rate may cost around \u00a3630 per month. You can <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/70000-loan#comparisongo\" class=\"scroll\">calculate the cost of your \u00a370k loan here<\/a>.<\/p><\/div><\/div><\/div><table id=\"examples\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">5% annual interest rate<\/th><th scope=\"col\">9% annual interest rate<\/th><th scope=\"col\">11% annual interest rate<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">8-year loan<\/th><td>\u00a3886<\/td><td>\u00a31,026<\/td><td>\u00a31,100<\/td><\/tr><tr><th scope=\"row\">10-year loan<\/th><td>\u00a3742<\/td><td>\u00a3887<\/td><td>\u00a3964<\/td><\/tr><tr><th scope=\"row\">12-year loan<\/th><td>\u00a3647<\/td><td>\u00a3797<\/td><td>\u00a3877<\/td><\/tr><tr><th scope=\"row\">15-year loan<\/th><td>\u00a3554<\/td><td>\u00a3710<\/td><td>\u00a3796<\/td><\/tr><tr><th scope=\"row\">20-year loan<\/th><td>\u00a3462<\/td><td>\u00a3630<\/td><td>\u00a3723<\/td><\/tr><tr><th scope=\"row\">25-year loan<\/th><td>\u00a3409<\/td><td>\u00a3587<\/td><td>\u00a3686<\/td><\/tr><\/tbody><\/table><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How much would a \u00a370,000 loan cost overall?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Again, this varies based on both the interest rate you receive and the length of your loan. For example, on a \u00a370,000 loan with a 10-year term and 7% fixed annual rate, you&#8217;d pay back around \u00a397,531 overall. That&#8217;s \u00a327,531 in interest. In comparison, on a \u00a370,000 loan with a 20-year term and 9% fixed rate, you&#8217;d pay back around \u00a3151,154 overall. That&#8217;s \u00a381,154 in interest. You can <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/70000-loan#comparisongo\" class=\"scroll\">calculate the cost of your \u00a370,000 loan here<\/a>.<\/p><\/div><\/div><\/div><\/div><table id=\"examples\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">5% annual interest rate<\/th><th scope=\"col\">9% annual interest rate<\/th><th scope=\"col\">11% annual interest rate<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">8-year loan<\/th><td>\u00a385,075<\/td><td>\u00a398,449<\/td><td>\u00a3105,561<\/td><\/tr><tr><th scope=\"row\">10-year loan<\/th><td>\u00a389,095<\/td><td>\u00a3106,408<\/td><td>\u00a3115,710<\/td><\/tr><tr><th scope=\"row\">12-year loan<\/th><td>\u00a393,229<\/td><td>\u00a3114,713<\/td><td>\u00a3126,358<\/td><\/tr><tr><th scope=\"row\">15-year loan<\/th><td>\u00a399,640<\/td><td>\u00a3127,798<\/td><td>\u00a3143,211<\/td><\/tr><tr><th scope=\"row\">20-year loan<\/th><td>\u00a3110,873<\/td><td>\u00a3151,154<\/td><td>\u00a3173,408<\/td><\/tr><tr><th scope=\"row\">25-year loan<\/th><td>\u00a3122,764<\/td><td>\u00a3176,231<\/td><td>\u00a3205,824<\/td><\/tr><\/tbody><\/table><h3>How do secured\/homeowner loans work?<\/h3><p>Lenders can mitigate their risk against borrowers falling into arrears by asking for personal assets to be put up as collateral. This is called a secured loan.<\/p><p>For personal loans as large as \u00a370,000, lenders will likely only offer secured loans with a property put up as collateral. These loans, therefore, work in a similar way to a second mortgage, although there are no solicitors required. Lenders tend to be more lenient about who they&#8217;ll offer secured loans to compared to unsecured loans.<\/p><p>When organising this type of secured loan, lenders will arrange a telephone interview after you&#8217;ve submitted your online application. If you&#8217;re approved for a loan, you&#8217;ll be issued a formal offer, subject to a valuation of the property.<\/p><p>The valuation may require permission from your mortgage lenders and for someone to inspect your home. You can expect the entire application process to take around 3 weeks.<\/p><h3>Choosing a lender<\/h3><p>With a \u00a370,000 loan, the difference between applying for the best available deal and the rest can make a significant impact on your monthly outgoings and the overall cost of borrowing. After all, you&#8217;ll most likely be paying interest on a sizeable amount of money for 10 years or more. A good broker can help you find the cheapest loan available to you.<\/p><p>The interest rates advertised are not the only factor that narrow down lenders, however. Below is a list of factors that play a role in defining the most suitable lender for your circumstances:<\/p><ul><li><strong>Eligibility criteria.<\/strong> You should be able to find a lender&#8217;s basic eligibility criteria online. It may include the documents you need to provide, the type of employment and the minimum earnings\/equity in your home. If you don&#8217;t meet this criteria, there&#8217;s little point in applying.<\/li><li><strong>Rate.<\/strong> The lender will advertise its &#8220;representative APR&#8221;, which is the rate that has to be offered to at least 51% of customers. However, if you&#8217;re deemed a particularly risky applicant, you might be offered a higher rate than this.<\/li><li><strong>Term length.<\/strong> Your loan repayments will be split over a set amount of months. Loans with longer terms will have lower monthly repayments but will cost you more overall due to extra interest charges.<\/li><li><strong>Fees.<\/strong> Most secured loans charge one-off arrangement fees paid at the start of the term. These can be bundled in with the loan amount and repaid over the same term.<\/li><li><strong>Maximum LTV.<\/strong> Lenders want to keep their lending relative to the property being used as security, so they consider the loan-to-value ratio and will always specify a maximum for this figure.<\/li><li><strong>Total payable.<\/strong> The amount of money you&#8217;ll pay over the entirety of the loan. This is the most important factor to consider.<\/li><li><strong>Early repayment terms.<\/strong> Typically, secured loans involve penalty fees when you repay any sums early.<\/li><\/ul><h3>Should I just remortgage?<\/h3><p>Potentially. If you&#8217;ve built up more than \u00a370,000 of equity in your home, then remortgaging could allow you to tap into that. Remortgaging can effectively act as <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loan-vs-mortgage\">an alternative to a personal loan<\/a> and could work out cheaper, depending on current mortgage rates. In fact, many people might also prefer the simplicity of a single loan.<\/p><p>It generally makes sense to remortgage every couple of years anyway, whether that&#8217;s to a brand new mortgage provider or to a better product with your existing lender. This is because banks&#8217; &#8220;standard variable rates&#8221; \u2013 which kick in after any introductory rates have finished \u2013 tend not to be competitive.<\/p><h4>OK, so why might I <em>not<\/em> want to just remortgage?<\/h4><p>If you&#8217;re currently enjoying a wonderfully low fixed rate on your mortgage, you may not want to disrupt it (and incur penalty fees in the process \u2013 although these can sometimes be worth shouldering). Similarly, if your credit record has taken a bit of a bruising since you took out your existing mortgage, and the rates you&#8217;re now being offered are significantly higher, then you may once again prefer to leave your existing mortgage alone. <\/p><p>Bear in mind that topping up your mortgage by \u00a370,000 is likely to have a significant impact on your LTV (loan-to-value ratio), so the best mortgage rates on the market may be off the table.<\/p><p>Additionally, if remortgaging would mean that you end up paying off the \u00a370,000 over 20 years, when you might otherwise have paid it off in, say, 10 years, then it could end up costing you significantly more overall.<\/p><p>You should aim to evaluate the overall costs of all your options to discover which is best for you. As a general rule of thumb (for any borrowing), aim for the loan that costs the least overall while offering monthly repayments you can afford.<\/p><p><a class=\"more-link-arrow weight-semi-bold\" href=\"https:\/\/www.finder.com\/uk\/mortgages\/remortgaging\"><strong>See our full guide on remortgaging<\/strong><\/a><\/p><h3>The bottom line<\/h3><p>A \u00a370,000 personal loan could drastically change your everyday life if you successfully apply for one. Before you apply for any loan, ensure that you fulfil the specific criteria and are taking a loan out for a good reason &#8211; such as for home improvements or debt consolidation. Be aware that some lenders may require you to back your loan with collateral, such as your home.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How long can I expect the loan's term to be?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Typically <em>you<\/em> choose a loan term that works for you. This might be anywhere from 1 to 25 years. Shorter loans usually cost less overall but have higher monthly repayments. To stand the best chance of your \u00a370,000 loan application getting approved, you should consider your income and outgoings to get a sense of how much you could realistically afford to repay each month. In fact, this is what the lender will do when considering your application. A good rule of thumb is to opt for the shortest loan possible while ensuring the monthly repayments would be manageable.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How can I boost the odds of being approved for a \u00a370,000 loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Lenders will check your bank statements and employment information to ensure you can comfortably afford your monthly repayments, so an income and outgoings that can accommodate the loan repayments comfortably will play a large part. If you have a decent amount of equity in your home and a stable job, this will also work in your favour. A sensible loan purpose is also important. Last but absolutely not least, you should get to know your <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">credit file<\/a>, which plays a huge role in determining your creditworthiness in prospective lenders&#8217; eyes.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I get a \u00a370,000 loan with bad credit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It&#8217;s generally more difficult to be approved for loans when you have a low credit score. However, secured loans offer lenders the reassurance that they will get their money back if you defaulted on the loan. As such, having bad credit doesn&#8217;t mean that you can&#8217;t borrow \u00a370,000, but you&#8217;ll likely be offered a higher rate of interest. Plus, while some lenders aren&#8217;t interested in lending to borrowers with bad credit, other lenders specialise in exactly this.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Browse our expert tips on how to get approved for a \u00a370,000 loan and find the best rate deal possible.<\/p>\n","protected":false},"author":195,"featured_media":176352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[10875],"tags":[],"asset_tag":[],"class_list":["post-241425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-secured-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00a370,000 loan calculator &amp; eligibility check: Live rates, top lenders<\/title>\n<meta name=\"description\" content=\"Browse our expert tips on how to get approved for a \u00a370,000 loan and find the cheapest deals for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/secured-loans\/70000-loan\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Get a \u00a370,000 loan with the best rate\" \/>\n<meta property=\"og:description\" content=\"Browse our expert tips on how to get approved for a \u00a370,000 loan and find the cheapest deals for you.\" \/>\n<meta property=\"og:url\" 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