Bridging Finance Calculator
Model monthly interest, total interest, arrangement fee and gross loan for any bridging facility, in seconds.
Calculate your bridging loan
* Additional fees may apply on a case-by-case basis: Legal Fees, Valuation Fee, Admin Fees, Title Insurance, General Insurance, Fund Transfer and others.
Enter your loan details above to see the cost breakdown.
Results assume interest retained at drawdown. Actual costs depend on lender, security and circumstances.
Results are indicative only. Actual rates and costs depend on your specific circumstances, security and lender. Learn more about Bridging Finance
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0.65%
Rates from (per month)
75%
Max LTV (residential)
48 hrs
Fastest completions
£0
Upfront broker fees
What is a bridging loan?
A bridging loan is a short-term secured facility (typically 1 to 18 months) designed to bridge a financial gap. The most common uses are property acquisition before a sale completes, refurbishment projects, auction purchases and business capital raising.
Bridging loans are interest-only, with interest typically either retained (deducted from the loan at drawdown so no monthly payments are required) or serviced monthly. The loan is secured by a first or second legal charge over property.
Rates start from around 0.65% per month for prime residential security with a strong exit. Standard rates for most cases are 0.85–1.2% per month. Adverse credit, commercial security or complex structures attract higher rates.
The critical factor in any bridging application is the exit strategy — how will the loan be repaid? Sale of the property and refinance to a longer-term mortgage are the two most common exits. Lenders scrutinise the exit carefully before lending.
The Process
Enquiry & Indicative Terms
Submit your requirement — loan size, security, term and exit. We respond with indicative terms from suitable lenders typically within hours.
Valuation
The lender instructs a RICS surveyor to value the security property. Desktop valuations are available for straightforward residential cases.
Offer & Legal Work
Formal offer issued. Both sides instruct solicitors. Title checked, charge registered at Land Registry.
Drawdown
Funds released to the borrower's solicitor and then on to completion. Full process typically 2–4 weeks from application.
FAQs
Frequently asked questions
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