Bridging Loan Calculator

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Home » Bridging Loans » Bridging Loan Calculator


Our simple-to-use bridging finance calculator is designed to quickly work out the likely costs of bridging loans. On top of the interest, the calculator will also allow quick calculations of fees and LTV (Loan to Value).

Read on below to find out more information on bridging loan rates, check out the latest products or read through our process and criteria.

Use this calculator to work out the likely cost of your bridging loan.




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Want to Know More…?

Read on below or use the following panels to look for more information on bridging finance.

How do I use the bridging loan calculator?

To use the calculator, fill in each box as accurately as possible and press calculate to receive your results instantly.

  • Property Value – This is the value of the property to be used as security for the loan.
  • Outstanding Mortgage – This box only needs to be completed if the mortgage is not going to be repaid by the bridging loan. If there is a mortgage outstanding that will be repaid in full, please leave the figure as ‘0’.
  • Loan Amount Required – This is the net loan required – the amount you need to receive before any fees or interest are added to the loan.
  • Interest Rate – This is the interest rate charged for the bridging loan. The calculator, as with most bridging loans calculates based on a monthly interest rate.
  • Lender Arrangement Fee – This is the fee charged by the lender for arranging the facility. Input the percentage charged by the lender.
  • Lender Exit Fee – Some lenders charge ‘exit fees’ on their facility. Again, this is calculated from a percentage, so please input the percentage charged.

Bridging loan rates & fees – what figures should I input?

Although our calculator will always provide accurate figures, the output will only ever be as realistic as the details that are input.

Residential Property

0.43% per month – up to 50% LTV
0.53% per month – 50-65% LTV
0.63% per month – 65-70% LTV
0.73% per month – 70-75% LTV

Commercial & Semi-Commercial

0.6% per month – up to 50% LTV
0.7% per month – 50-60% LTV
0.8% per month – 60-70% LTV
0.85% per month – 70-75% LTV


0.75% per month- up to 50% LTV
0.85% per month – 50-65% LTV

Lender arrangement fee & lender exit fee

Most bridging loans are subject to a lender arrangement fee of 2% of the loan amount. When using our bridging finance calculator, this is generally the safest figure to input.

Understanding your results

Gross & net loan

The gross loan is the total amount borrowed including all fees, charges and rolled up interest.

The net loan is the amount that is released to you and does not include any fees, charges or interest.

When calculating how much money you will be able to use, use the net loan. When calculating how much money you will repay to the lender, use the gross loan.

Total interest

Total interest is simply the amount of interest charged over the course of the loan. This is commonly added to the loan and paid when the bridging loan is repaid. Alternatively, it can be deducted from the loan, meaning the net loan is reduced by the cost of the interest.

Loan to value (net loan)

The loan to value (net loan) is designed to tell you what the loan to value of your borrowing is. Loan to value is a tool used by lenders to express the ratio of the amount borrowed as a percentage of the property value. This figure is important, as often the maximum loan will be restricted by the maximum loan to value available.


How is the monthly interest paid?

A tool designed to quickly and accurately calculate the costs involved with taking a bridging loan. It allows you to easily see the interest, fees and total costs of borrowing using bridging finance.

How does the bridging loan calculator work?

Our bridging loan calculator makes working out your total costs simple. It functions in a similar way to a standard mortgage calculator but allows you to analyse both your monthly interest and total costs.

Can I pay off a bridging loan early?

Yes, most lenders allow you to repay your loan early without penalty. Where this happens, interest is usually only charged for the period where the funds were actually borrowed.

How is the monthly interest paid?

There are two common options here, adding it to the loan and repaying it at the end, or paying monthly.

Making monthly payments may mean that you end up paying less back in the long run, but can put a strain on cash flow. This can be a problem for many borrowers, especially those paying higher interest rates.

For this reason, most loans have the interest added to the loan. Almost all lenders accept this option, while most are happy with either.

Where you plan to pay the interest monthly, you must provide evidence of your income to ensure it’s affordable.


About The Author

This content was produced by our Commercial Lending Director, Gary Hemming. Gary has over 15 years’ experience in financial services and specialises in bridging loans, commercial mortgages, development finance and business loans. He is widely respected in his field and regularly provides expert commentary for specialist trade publications, specialist business press as well as local and national press.

Gary Hemming CeMAP CeFA CeRGI CSP  -  
Commercial Lending Director