Bridging Loan Calculator

Get an instant estimate of your costs - monthly interest, total repayable, and loan-to-value. No personal details needed.

Your loan details

£
£
% / month

Typical bridging rates: 0.55%–1.0% per month

months

Rolled up: interest adds to the loan and is repaid on exit. Monthly: you pay interest each month.

Loan-to-Value (LTV)
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Monthly interest
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Total interest
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Total repayable
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This calculator provides estimates only and should not be relied upon as financial advice. Actual rates and terms will depend on your circumstances and lender criteria. Always speak to a qualified broker.

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How it works

Understanding bridging finance costs

Bridging loans are priced differently to mortgages. Here's what to know before you borrow.

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Monthly interest

Unlike mortgages, bridging loans charge interest monthly - typically 0.55%–1.0% per month. On a £250,000 loan at 0.75%, that's £1,875 per month.

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Rolled-up vs serviced

With rolled-up interest, charges compound and are repaid when you exit. Serviced means you pay interest monthly, keeping the exit balance lower.

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Loan-to-Value (LTV)

Most bridging lenders go up to 70–75% LTV. Some specialist lenders go higher. The lower your LTV, the better the rate you're likely to get.

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Exit strategy

Lenders want to know how you'll repay - typically sale of the property or a refinance onto a mortgage. A clear exit strategy is essential to getting approved.

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