---
title: "Top-up loan: how much can you borrow against your equity?"
description: "See how much you can borrow on top of your mortgage, what the top-up loan costs, and why the contribution fee is higher in the upper loan-to-value bands."
url: https://realkredit.ai/beregn/tillaegslaan?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Top-up loan: how much can you borrow against your equity?

See how much you can borrow on top of your current mortgages, and what it costs. A top-up loan sits behind your existing debt and therefore in the most expensive loan-to-value bands.

The calculator is interactive on the HTML page. All inputs are kept in the address, so a result can be shared.

## How we calculate
- The room is the lending limit (80% or 75% of the value) minus your current mortgage debt.
- The top-up loan's contribution rate is weighted only over the bands the loan actually occupies.
- Payment, tax and costs are calculated as in the loan calculator.

Full method: https://realkredit.ai/metode?lang=en

## Questions for your bank meeting
- What is the contribution rate on my loan, and how is it calculated (loan-to-value bands, interest-only surcharge, discounts)?
- What is the total cost over 10 years including all fees – both the institution's and the bank's?
- Which fees does the bank charge for arranging the loan?
- Which loan types can I get with my debt-to-income ratio and loan-to-value – and why?

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> realkredit.ai provides general information and calculations – not personal, legal or financial advice, and nothing here is legally binding. The figures are indicative and based on your own numbers and the prices we have verified. Always check your loan offer, and talk to your bank, an independent adviser or a lawyer before you decide.

HTML version: https://realkredit.ai/beregn/tillaegslaan?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com