Bridging Loan Calculator

Our bridging loan calculator gives a good indication of the expected rates and repayment costs when applying for a bridging loan. Get the best bridging loan rates in the UK, starting from 0.55%. All our bridging finance quotes are fully FCA-regulated (667602).


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When using a calculator, we will not perform credit checks, nor will we pass your information to any third party. We are committed to protecting your personal data and are registered with the Information Commissioner Office (ZA115985).

Why use a bridging loan calculator?

Our bridge loan calculator is designed to give you an exact assessment of all the costs connected to obtaining bridging loans. This is the total amount our customers may anticipate paying well for the savings you can make by taking out a bridging loan with us.

Use our calculator to assess:

  • The amount of funding you would receive.
  • The total amount that would need to be repaid.
  • Whether bridging is the right funding solution for you.

We’ve designed our bridging loan calculator with borrowers in mind, offering a practical estimate of the complete expenses associated with bridging finance before you make your application. If you need any guidance on how to use the calculator effectively, simply give us a call and our committed team members will gladly assist you.

How to use our calculator

Bridging loan calculator infographic

What information do we require?

Just provide your individual details in the relevant sections and let the bridging calculator take care of the rest of the work for you.

You’ll need the following information:

  • Type: options include standard, refurbishment, or a second charge loan.
  • Term: how long would you like the loan term to be? Usually, up to 12 months is standard.
  • Properties: The number of properties you have to offer for security.
  • Valuation: of the property or properties offered for security.
  • Loan Amount: Input the amount of funding you think you will need.

Once you have input your details, we will calculate all the costs attached to apply for and take out bridging finance. If you use our calculator, rest assured that your credit rating will not undergo scrutiny, and none of the data you provide will be disclosed to external entities. By employing our calculator to assess your expenses, you can gain prior knowledge of any charges or fees associated with acquiring bridging finance.

Our bespoke calculator will highlight all fees and charges typically included in the overall cost.

After using the calculator to confirm the loan amount, we will be in touch using the contact details provided, or you can call one of our financial advisors for advice to discuss your application further.

How are bridging loan costs calculated?

There should be various factors that you will need to take into account:

  • LTV, short for loan-to-value: represents the proportion between the amount borrowed and the true value of the property put forward as collateral. Typically, as a practical guideline, the greater the LTV, the greater the interest rate that will be presented, and conversely. Put simply, if LTV is low, borrowers can expect favourable interest rates from most lenders.
  • Regulated vs. unregulated: If the property is intended to be lived in by the buyer, then the loan will fall under FCA regulations and therefore be considered regulated. For property purchases that are for investment purposes only, they will be considered unregulated. There are typically fewer lenders offering regulated loans, and lending is more competitive than with unregulated loans, so interest rates are lower.
  • The size of the deposit: This plays a significant role in shaping how lenders perceive your financial reliability. By making a large deposit, you position yourself as a less risky borrower, boosting your chances of obtaining a bridging loan with a lower interest rate.
  • Lender fees: These are fees charged by the bridging loan lender for arranging the loan and are typically around 2% of the loan amount; however, this may vary slightly from lender to lender.
  • Drawdown fee: This is a fee that some lenders impose on borrowers and is usually set at around £295. A redemption fee may also be charged for removing the legal charge from the property, which averages around £120.
  • Legal fees: Similar to a standard mortgage, bridging finance requires legal paperwork to be completed. In most cases, it will be up to you to take charge and locate a solicitor who can adeptly manage all the legal intricacies surrounding bridging finance. Moreover, it will be your obligation to bear the costs associated with engaging the services of a solicitor.
  • Broker fees: Most brokers will charge a fee for their services. It is always worthwhile to employ the services of a bridging broker, as they have access to the best deals and, therefore, will overall lower the total loan costs.
  • Valuation costs: Bridge finance is a type of secure loan and therefore requires some form of security (collateral), typically property, which will have to be valued to ensure that the asset is of sufficient value.
  • Exit Fee: Most lenders will not impose this charge, but for lenders who do, this is usually around 1% to 2% and payable on the redemption of the bridging loan.

How is interest calculated?

Bridging finance interest and traditional mortgage interest is calculated in a totally different way. The manner in which interest is computed for bridging finance sets it apart from the method employed for conventional mortgage products. When it comes to a lengthy loan, such as a mortgage, the interest is calculated annually. However, with a bridging loan, the interest is determined monthly. Bridging loans are normally repaid in 12 to 18 months, with interest collected throughout. If the loan is repaid before the agreed-upon payback period, the borrower pays less interest. Furthermore, many lenders provide rolling-up interest, which is interest that accumulates and is paid in a lump sum at the end of the loan term.