What would it cost each month?

What this does not include

A processing fee. Most lenders deduct one before paying out, which means you repay instalments calculated on money you never received — so the real annual rate is higher than the one you set above.

When you have an actual offer, we show you the all-in rate and the total cost on a Key Facts Statement, before anything is sent to a lender. That is the number to decide on. This one is for getting your bearings.