Your bank's margin is the one part of your interest rate you can change. See what a lower margin on your practice loan is worth, after every cost of switching.

Bank Rate 3.75% September 2026 vote: 6–3 to hold, three wanted a rise Markets priced c. 4.8% by late 2027 A lower margin saves you money whichever way rates go.

Your current loan

Use your facility letter or latest statement. Round numbers are fine.

Outstanding loan balance

Years left on the loan

yrs

How is your rate set?

Your margin over Bank Rate

Shown on your facility letter as "Base + x%".

Your fixed rate

–

Months until your fix ends

mths

Margin after the fix ends

Most fixes revert to Base + a margin.

Repayment type

Months left on interest only

mths

After this you repay capital and interest over the rest of the term.

Practice EBITDA (annual)

Optional. Used for the debt cover check. Leave at 0 to skip.

Your bank's debt service cover test

Move the slider to a margin you might refinance at

2.25% over Bank Rate

1.00% yours today: – 5.00%

Saving in year one – –

Interest saved over the loan – if Bank Rate stays at 3.75%

After all switching costs – –

–

The margin ladder
New margin	Saving a year	Interest saved	Net of costs	Payback

–

Switching costs –

The defaults are illustrative. Replace them with your own figures, or ask us for an estimate.

My variable loan has an early repayment fee

Early repayment charge today

A % of the balance repaid.

Months until it ends

mths

Leaving your current lender

Fixed-rate break cost

If your fix is a separate swap or hedge. Can be a credit if rates have risen; enter it as a minus.

Redemption and admin fees

Exit, deeds release and security discharge.

Joining the new lender

Lender arrangement fee

A % of the new loan.

Lender's legal fees (you pay)

Your own legal fees

Including advice on any personal guarantee.

Valuation fee

Broker fee

We confirm our fee in writing before any work starts.

Other costs

Landlord consent, searches, accountant's reports.

How does your payment change with Bank Rate?
Bank Rate	Your loan	At new margin	Cover

–

Is it worth a conversation?

–

No obligation

Free consultation

Free · No-obligation consultation

Find out what a lender would offer

The calculator shows what a lower margin is worth. Only a lender can tell you what you'd actually be offered. Samera Finance will take your figures to the market and tell you plainly whether switching pays.

This calculator gives illustrative figures only. It is not a quote, an offer of finance or personal financial advice, and the margins shown are not rates we are offering. It assumes level monthly repayments, a new loan on the same term and repayment profile as your current one, and Bank Rate held at today's rate of 3.75%. Lender fees and terms vary and your actual costs will differ. Bank Rate context as at 3 October 2026.

Samera Finance is authorised and regulated by the Financial Conduct Authority, FRN 757431. We are a credit broker, not a lender.

Email your figures to Samera

We'll send you a copy of your calculator results and Samera will follow up with what a lender could realistically offer your practice.

Your name

Email address

Would you like to book a call?

Yes, book a call No, just send my figures

No spam, ever. We'll only use your details to follow up on your refinancing enquiry.

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