Bridging Loan Calculator 2026: Estimate Your Monthly Costs

How to Calculate the Cost of Your Bridging Loan

To calculate the cost of a bridging loan, 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.

Our bridging loan calculator is designed to make it simple for property investors, landlords and homeowners to calculate the expected monthly interest costs of taking out a bridging loan.

We can offer many different types of bridging finance, including the following:

• Regulated bridging loans
• Unregulated bridging loans
• Commercial bridging loans
• Property refurbishment finance, and
• Development exit finance

As a whole of market broker, we can access the best bridging loan rates in the market and don’t charge broker fees for loans over £100,000, so get in touch if you’re looking for the best deal.

We can offer a full agreement in principle within 1 hour of your enquiry, and manage the whole process from initial enquiry, application process, right through to ensuring your exit strategy is carried out successfully.

Monthly Interest vs Rolled-up Interest

Interest can be either paid monthly, or rolled-up into the loan, leaving you with no monthly payments to make.

When paying the interest monthly, you may receive a higher initial loan (as the cost of interest is not deducted from your loan), but must prove your income to show that the loan is affordable.

For rolled-up interest loans, the application process may be simpler, with no underwriting around your income (unless your exit strategy is reliant on it).

Most bridging loans are taken on a rolled-up interest basis as it tends to be simpler and more affordable for most borrowers.

Understanding Bridging Loan Fees

In addition to the interest charged, there are also fees to consider when taking out bridging finance. The key fees to consider are:

• Lender arrangement fee – In almost all cases, bridging loan lenders charge an arrangement fee on completion of the loan, usually allowing borrowers to add the fee to the loan balance. This fee is usually between 1-2% of the amount borrowed.
• Broker fee – Many brokers charge a fee for arranging bridging loans, often 1% of the amount borrowed or more. At ABC Finance, we don’t charge broker fees when arranging bridging loans.
• Legal fees – Lenders usually require separate legal representation, which is paid for by the applicant. Some lenders will accept dual representation (use of the same solicitor for both sides), which can save time and money.
• Valuation fee – While many applications are approved without the need for a physical valuation on the security property, they are still needed in many cases. Again, where we can save you time and money by opting for a product with an automated valuation (AVM), we will.
• Exit fee – Some lenders charge an exit fee when the loan is repaid. This fee is either a set amount, or a percentage of the loan amount. We always consider exit fees when searching for the cheapest loan products for our clients, and avoid them where possible.