Skip to calculator
Bridging Finance Calculator

Know your bridging numbers.

See what you may need to borrow and what it could cost.

Step 1 of 2

What's the bridge for?

Development finance is released in stages against a build programme, so it needs proper modelling rather than a bridging estimate. .

The purchase price, or the value if lower.

Indicative estimate

Available to you

Add the property value and the amount you need. Your figures appear here the moment you do.

  • Total loan needed
  • Interest and fees
  • Loan to value
  • What you'd repay

Start a new calculation?

This will clear your current figures.

Understand the numbers

Bridging finance, explained with real figures

Example

Why the loan is bigger than the money you need

To have £300,000 to use, you’d borrow about £341,686. The £41,686 difference covers costs taken from the loan on day one.

How bridging interest works

Bridging is priced per month, not per year. At 0.85% a month, every £100,000 costs about £850 a month.

This calculator uses simple monthly interest. Some lenders compound, and some charge a minimum number of months.

Bridging LTV explained

Loan to value compares the loan with the property’s value. Lower LTVs usually mean more lender choice and sharper pricing.

With rolled-up interest, lenders usually look at the balance including interest.

Costs beyond the interest

Interest
Charged monthly. Retained, rolled-up or paid as you go.
Arrangement fee
Often around 1–2%, usually added to the loan.
Valuation
Paid up front; depends on the property's value and type.
Legal fees
Yours, and usually the lender's too.
Broker fee
If you use one. Some charge, some don't.
Exit fee
Some lenders charge one on repayment.

Retained, rolled-up or serviced?

The same loan can be structured three ways. It changes how much you borrow, whether you pay monthly, and what you owe at the end.

Add your figures above and each option will preview your own numbers.

How is interest paid?

Questions, answered plainly

The things people usually want to know before using a bridge.

Is this a quote or an offer?

No. It's an illustrative estimate based on the assumptions shown. Actual pricing, fees and availability depend on lender underwriting, the property, the borrower and the transaction.

Do I need to give my details to see the results?

Never. Your figures appear as you type. Emailing yourself a copy or asking for a callback are entirely optional.

Why is the total loan bigger than the amount I need?

With retained interest, the lender sets aside the interest for the term, and the arrangement fee is usually added to the loan. The loan is grossed up so you still receive the amount you asked for.

How long can a bridging loan last?

Most bridges run from a few months up to 12–18 months, and some lenders go to 24 months or beyond. You can usually repay early, though some lenders charge a minimum number of months' interest.

What interest rate does the calculator use?

An illustrative 0.85% a month and a 2% arrangement fee by default. You can change both under “Adjust assumptions” — useful if you already have a quote to compare.

What happens if I request a callback?

A specialist from BridgingLine, our sister company, receives your scenario and calls you to talk it through. There's no obligation and you won't need to repeat your figures.

Bridging Finance Calculator

Specialist support available from BridgingLine, our sister company.

Illustrative estimate only. Actual lender pricing, fees and availability depend on the property, borrower and transaction. Figures are not a lender offer, a recommendation or an indication that finance will be available.

© 2026 Bridging Finance Calculator. All rights reserved.

PrivacyTermsCookiesDisclaimerContactModel v1

Adjust assumptions

Illustrative settings, not lender pricing. Your estimate updates as you change them.

%

Roughly 10.2% a year, simple interest. Rates vary with LTV, property and borrower.

%

A one-off lender fee, usually added to the loan.

12 months
How is interest paid?

Calculator assumptions, not lender pricing. Got a quote? Enter its figures to compare.

Email me this calculation

A copy of these figures for your inbox, so you don't need a screenshot.

Specialist support from BridgingLine

Talk these figures through

A bridging specialist from BridgingLine can review this scenario with you and explain what lenders are likely to look at.

Contact us

Have a question? Send us a message and we’ll get back to you.

Legal information

Privacy

You can use the calculator without giving us any personal details. We only collect information you choose to send us, such as:

  • your email address, if you ask us to email you a calculation
  • your phone number, first name and preferred call time, if you request a callback
  • the calculator figures attached to those requests, such as the property value, amount needed and term
  • your name, email address, message and, if you choose, phone number, if you contact us

We use this information to respond to your enquiry and provide the service you asked for. If you request a callback, we share your details and scenario with BridgingLine, our sister company, so a specialist can contact you. If you ask us to check in after emailing a calculation, we use your email address for that follow-up only.

We may use basic analytics to understand how the site is used and to improve it. See Cookies for more.

We take reasonable technical and organisational steps to protect the information we hold, and keep it only for as long as we need it for the purpose it was provided.

We do not sell your personal data.

You can ask to access, correct or delete the personal information we hold about you, or object to how we use it. To make a request, send us a message using the Contact form on this site. You also have the right to complain to the Information Commissioner's Office (ICO).

Terms

This site and its calculator are provided for general information and estimation purposes only. By using it, you agree to these terms.

You are responsible for the accuracy of the information you enter. Results depend entirely on those figures and the assumptions shown.

We aim to keep the site available and accurate, but we do not guarantee uninterrupted or error-free service. Features, content and availability may change, and we may update, suspend or withdraw the site at any time.

The site's content, design and calculator are owned by us or our licensors. You may use them for your own personal, non-commercial purposes, but you must not copy, reproduce or misuse them without permission.

We may update these terms from time to time. Continuing to use the site means you accept the current version.

Cookies

Cookies are small files stored on your device. Similar technologies, such as local storage, work in a comparable way.

  • Essential: needed for the site to work properly and securely. These cannot be switched off.
  • Analytics and performance: if enabled, help us understand how visitors use the site so we can improve it.
  • Preferences: if enabled, remember choices you make so the site works the way you expect.

Where we use third-party services, such as analytics or hosting providers, they may set their own cookies under their own policies.

You can control or delete cookies through your browser or device settings. Blocking some cookies may affect how parts of the site work.

Disclaimer

Figures from this calculator are illustrative estimates only. They are not a quote, an offer, an approval or a guarantee that finance will be available.

Nothing on this site is financial advice or a recommendation to take out any product.

Lender criteria, interest rates, fees, loan-to-value limits and availability vary between lenders and change over time. Additional costs, such as valuation, legal, broker and exit fees, may apply.

Outputs depend on the information you enter and the current assumptions, which may not reflect your circumstances or the terms a lender would offer.

Any actual finance is subject to the lender's underwriting and a full assessment of the property, the borrower and the transaction. Seek appropriate professional advice before making financial decisions.

Regulated and unregulated bridging finance

Some bridging loans may be regulated by the Financial Conduct Authority, while others may fall outside the regulated mortgage regime. This can depend on factors including who is borrowing, how the property is used or intended to be used, the nature of the security and the purpose and structure of the borrowing.

For example, lending secured on residential property used as, or in connection with, a dwelling may fall within the regulated mortgage regime, while certain commercial, investment or business-purpose arrangements may be treated differently.

Whether a particular bridging loan is regulated depends on the individual circumstances. This calculator does not determine the regulatory status of a proposed loan. A specialist should confirm the position before you proceed.