Back to Calculators
Bridging Finance

Bridging Finance Calculator

Calculate the costs of your bridging loan including monthly interest, arrangement fees, and total repayable amount. Perfect for auction purchases, chain breaks, and time-sensitive property acquisitions.

Calculate Your Bridging Loan
Adjust the sliders to see your estimated costs
AI-Powered ValidationOptional
£50k£5M
£25k80% LTV
0.5%1.5%
1 month24 months

Unlock Your Results

Enter your details to see your personalised calculation

Your Bridging Loan Summary

LTV
70.0%
Monthly Interest
£2,975
Total Interest
£35,700
Total Repayable
£392,700
Arrangement Fee
£7,000
Total Finance Cost
£42,700
Effective Annual Rate
10.2%

Interest is typically rolled up and paid at the end of the term. Additional costs may include valuation, legal fees, and exit fees.

Get an Accurate Quote

These figures are estimates. Speak to our team for rates tailored to your specific circumstances.

Understanding Bridging Finance

Bridging finance is a short-term loan designed to "bridge" the gap between purchasing a property and arranging longer-term funding. It's commonly used for auction purchases, chain breaks, property development, and refurbishment projects.

Key Features of Bridging Loans

  • Speed: Funds can be released in as little as 7-14 days
  • Flexibility: Available for properties that traditional lenders may not consider
  • Rolled-up Interest: Interest is typically added to the loan and paid at exit
  • LTV: Up to 75-80% LTV available depending on the property and exit strategy

Common Uses for Bridging Finance

  • Auction purchases requiring completion within 28 days
  • Breaking property chains to secure a purchase
  • Light refurbishment before refinancing onto a mortgage
  • Purchasing unmortgageable properties for renovation
  • Business cash flow and opportunity funding