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Spread your repayments more than one particular to five years for loans of £15,000 or significantly less, or over one particular to eight years for loans more than £15,000. Bankrate's house equity calculator assists you establish how significantly you may possibly be in a position to borrow primarily based on your credit score and your LTV, or loan-to-value ratio, which is the difference between what your home is worth and how much you owe on it. So for these who are at the moment with an upside down automobile loan or lenders who fear that the borrower would default, refinancing seems to be the ideal option.

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