Bridging Loan Calculator

See the full cost of your bridging loan before you commit — interest, fees, LTV and total repayable in seconds.

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Add the loan amount, property value, term, and expected rate and fees.

See your full cost breakdown

Instantly see monthly interest, total interest, fees and the total cost of borrowing.

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Send your calculation to us and we'll match you with a lender — even with adverse credit.

Loan Details

Loan amount (£)

£25k – £10m

Property value (£)

Loan term (months)

1 – 24 months typical

Monthly interest rate (%)

0.5% – 1.5% typical

Arrangement fee (%)

1% – 3% typical

Exit fee (%)

0% – 1% typical

This calculator provides an estimate only. Actual rates and fees will depend on your lender, LTV, credit profile and exit strategy. Interest is calculated on a retained/rolled-up basis.

Cost Summary

Loan-to-value (LTV)66.7%

Monthly interest£4,250

Total interest£51,000

Arrangement fee£10,000

Exit fee£5,000

Total cost of finance£66,000

Total repayable£566,000

How bridging loan interest works

Bridging loans are short-term secured loans, typically lasting 1–24 months. Unlike a standard mortgage, interest on a bridging loan is usually retained or rolled up — meaning it accrues on the outstanding balance and is repaid in full at the end of the term, rather than monthly.

The calculator above uses a retained interest model: the full interest is calculated up front based on the loan amount and term. Some lenders offer serviced interest (paid monthly) which can reduce the overall cost — ask us about this when you enquire.

LTV (Loan-to-Value) is the loan amount as a percentage of the property value. Most bridging lenders cap at 70–75% LTV for adverse credit applicants. Higher LTV may still be possible depending on the exit strategy and the strength of your case.

Typical bridging loan rates (2025)

Clean credit0.45% – 0.65%/month

Minor adverse (defaults)0.65% – 0.90%/month

Moderate adverse (CCJs)0.85% – 1.10%/month

Severe adverse (IVA/bankruptcy)1.00% – 1.50%/month

Rates are indicative. Actual rates depend on LTV, property type, exit strategy and credit profile. Use our calculator as a guide only.

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