Bridging Loan Calculator

Please use our bridging loan calculator to get a rough idea of the total cost of a bridging loan.

In bridging finance, monthly payments are not normally required unless requested. Instead the borrower receives the net loan amount and on repayment of that loan also repays any interest generated whilst the loan was outstanding.

The maximum LTV value this calculator works to is 75%, if the calculated LTV is any higher you will need to contact the office to obtain your calculation.

At the time of writing every conceivable effort has been taken to ensure the accuracy of the data provided however the calculator should be used as a guide only and cannot be taken as a formal offer of a loan or in any other manner. For a full illustration please call 0207 101 0234 or 0800 1691589 or email us

Bridging Loan Rates

When considering a bridging loan (a short term loan, until a longer term solution is available), the key aspect is its viability and this mostly likely indicator if this would be the bridging loan rates.

Choosing The Right Bridging Loan

The bridging loan rate is the monthly or daily interest charged while the loan is outstanding i.e. before it is repaid. The rate can be determined by many factors such as whether the bridging loan is closed (guaranteed exit route for repayment of the loan) or open (less firm exit). Other aspects could be the size of the loan compared with the value of the property (this is known as Loan to Value or LTV), the type of security (residential property is currently a safer bet than commercial), whether the applicant has perfect credit etc.

A common use for bridging finance is when an ideal property is put on the market for sale but a client has yet to receive the money from the sale of their existing property. In this instance a closed bridging loan is when the existing property is on the market, sold and exchanged but has yet to complete. This will be looked at as a low risk for the lender as they will be confident of being repaid in the agreed time frame. If the existing property is yet to sell, this will be deemed as an open bridging loan. This type of bridging loan is viewed as a higher risk of guaranteed payment in the agreed time frame and as such may demand a higher interest rate from the lender.

Bridging loan rates could be influenced by the Bank of England Base Rate and depending on circumstances can vary between 0.58% and 1.5% per month.

A bridging loan typically runs from 0 – 12 months and in certain circumstances, this can be extended longer.

Typical bridging loan criteria is as follows:

  • 0.58% – 1.5% monthly interest rate
  • 75% Loan to Value (LTV). This can increase to over 100% with additional security.
  • Arrangement fee of 1 – 2%
  • No exit fee (on certain products)
  • No minimum term i.e. loans can be repaid after a day

The table below resembles a typical loan repayment on £100, 000

Interest Rate Monthly Interest
0.58% £580
0.70% £700
0.75% £750
0.85% £850
0.95% £950
1.00% £1,000
1.05% £1,050
1.10% £1,100
1.20% £1,200
1.25% £1,250
1.50% £1,500

Why Use A Bridging Loan Calculator

The many recent press articles reporting upon the sustained and continual growth in the bridging finance market have been fully endorsed by Inquiry levels have increased at almost daily and unprecedented levels however the spike in volumes can create problems for traditional brokerages who have not strategized for this and customers changing data collecting preferences and who are unable to cope with the increased flow in what is now deemed as the new norm in the bridging and development finance market.

At, we have found that many of our customers who are looking at bridging finance in the initial stages do not want physical or verbal contact but simply want all the information and data at hand so they can understand the workings and costs of bridging finance in their own time and often without the need or wish to involve an advisor. Bridging Finance is a niche but not overly complicated form of lending and much less common and far less understood than more traditional types of finance such as mortgage finance.

Customers thinking that they potentially may need a bridging loan and who are unaware of how a bridging loan works now more often than not prefer to browse a simple and straight forward site such as that available at and be able to have numerous attempts at our specially created calculator which allows full access to multiple different financial applications. In this scenario, once a client finds a situation that fits their budget and that visually shows an accurate picture on all affordability issues, if they then wish, they can call and discuss their bridging finance requirements in more detail with a fully qualified advisor to ensure that in practice this is a product they can afford and is suitable for their needs.

The site itself and its fully automated and accurate calculator is available 24 hours a day and 7 days a week enabling this requirement to be met and experienced staff at can be contacted by email or telephone from 9 – 9 daily. The simplicity and accuracy of the calculator has given rise to numerous positive reviews and a large section of those using the calculator and who call our office to discuss their needs benefit from being in a much more informed state and with a far greater understanding of how bridging finance works.

Bridging Finance does not fit every budget and every scenario but the site and calculator allows easy access for the customer to establish this during the initial fact finding operation and the extended availability of the staff allows advice and recommendations to be given by fully trained, qualified and experienced individuals at and allows any prospective borrower to make an informed choice on what is and is not right for them.


The advice and processing on all financial products introduced via this website will be handled by UK Property Finance Ltd, which is authorised by The Financial Conduct Authority (FCA) no 667602. The FCA do not regulate all mortgages such as Buy to Let and Commercial. Think Carefully before securing debts against your home. Your property could be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.