See what a bridging loan could really cost.
Use our free bridging loan calculator to estimate monthly rates, total interest, and repayment costs. Adjust the numbers and see results instantly.
Bridging loan example
Illustrative figures only
Illustrative only. Your actual costs depend on your circumstances.
Bridging loan calculator
See what a bridging loan could cost. Adjust the amount, property value, and term. Results update instantly.
Interest compounds monthly and is added to your loan. Nothing to pay until you sell or refinance.
LTV too high
Bridging loans above 90% loan to value are not typically available. Try reducing the loan amount or increasing the property value.
For illustration purposes only. Rates shown are indicative and vary by lender, loan size, property type, and your circumstances. Interest compounds monthly on rolled-up loans. Your home may be repossessed if you do not keep up repayments on your mortgage.
What the numbers mean
Here's how to read your calculator results and plan your bridging finance.
Total to repay
The full amount you would owe at the end of the term, including your original loan plus all interest. This is what you need to cover when you sell or refinance.
Total interest
The cost of borrowing over your chosen term. With rolled-up interest, this compounds monthly. With serviced interest, the total is fixed because you pay as you go.
Loan to value
Your loan amount as a percentage of the property value. Lower LTV means better rates. Most bridging lenders cap at 75% LTV for standard rates, with some going to 90%.
What to do next
Happy with the numbers? Get a free personalised quote. Your adviser will find the right bridging deal for your exact situation and handle the full application.
Five reasons to run the numbers first
Bridging loans move fast. Knowing your costs upfront puts you in control.
Understand the true cost
Bridging interest compounds monthly on rolled-up loans. A 12-month loan costs more than 12 times the monthly rate. The calculator shows you the real figure, not a rough estimate.
Compare rolled-up vs serviced
Rolled-up interest means nothing to pay during the term, but costs more overall. Serviced interest means monthly payments, but lower total cost. Toggle between both to see the difference.
Check your loan to value
LTV directly affects your rate. Borrowing under 75% of the property value unlocks the best deals. The calculator shows your LTV and rate tier as you adjust the sliders.
Plan your exit strategy
Every bridging loan needs a clear exit: selling the property, refinancing to a mortgage, or another funding source. Knowing your total repayment figure helps you plan that exit with confidence.
Move faster when it matters
Bridging is about speed. If you already know the costs, you can move straight to a formal quote and get your adviser working on the application without delay.
From calculator to completion
Liked what the calculator showed you? Here's what happens next.
Try the calculator
Enter your loan amount, property value, and term. See your total cost, interest, and LTV instantly. Free, no sign-up, no credit check.
FreeGet your free quote
Answer a few quick questions and Albot will search across bridging lenders to find your best options. Soft search only, no credit impact.
90 secondsAdviser handles it all
A qualified adviser from Loan.co.uk reviews your case, confirms the best deal, and manages your bridging application through to drawdown.
FCA regulatedBridging loan calculator questions
Everything you need to know about bridging finance and how the calculator works.
What is a bridging loan?
A bridging loan is short-term secured finance, typically lasting 1 to 24 months. It is designed to "bridge" a gap, for example buying a new property before your current one sells, funding a renovation, or completing an auction purchase quickly. The loan is repaid when you sell the property, refinance onto a standard mortgage, or use another funding source.
How accurate is this calculator?
The calculator gives you a strong estimate based on indicative rates. Your actual rate will depend on the property type, your circumstances, the lender, and the strength of your exit strategy. For an exact quote tailored to your situation, use our free quote tool. Your adviser will confirm the precise figures.
What is the difference between rolled-up and serviced interest?
With rolled-up interest, you make no monthly payments. Interest is added to the loan each month and compounds, so you pay it all at the end when the loan is repaid. With serviced interest, you pay the interest monthly during the term, and only repay the original loan amount at the end. Rolled-up is more convenient but costs more overall. Serviced is cheaper in total but requires monthly cashflow.
How quickly can I get a bridging loan?
Bridging loans are designed for speed. Many lenders can issue a decision in principle within 24 hours, and completion can happen in as little as 7 to 14 days, depending on the complexity of the case, the valuation, and the legal work involved. This makes bridging ideal for auction purchases, chain breaks, and time-sensitive opportunities.
What can I use a bridging loan for?
Common uses include buying a property at auction (where you need to complete within 28 days), purchasing a new home before selling your current one, funding renovations or conversions, buying unmortgageable properties to refurbish, and bridging a short-term funding gap in a property transaction. Both residential and commercial properties can be used as security.
What is an exit strategy?
Your exit strategy is how you plan to repay the bridging loan at the end of the term. The most common exits are selling the property, refinancing onto a longer-term mortgage, or using funds from another source (such as the sale of a different asset). Lenders assess your exit strategy carefully, and a strong, credible exit is one of the most important factors in getting approved.
Will using the calculator affect my credit score?
No. The calculator does not run any credit checks. It uses the figures you enter to estimate costs based on indicative rates. Even when you move to the personalised quote stage, Albot uses a soft search that does not appear on your credit file or affect your score.
Ready to get a personalised quote?
The calculator gives you the big picture. A free quote gives you the exact deal for your situation, with an expert adviser to handle everything from application to drawdown.
Get my free quoteRepresentative Example (Bridging Loan)
A bridging loan of £200,000 secured against a property valued at £400,000 (50% LTV) over a term of 12 months with interest rolled up at a rate of 0.56% per month (6.72% per annum). Total interest payable: £13,867. Arrangement fee of 2% (£4,000) added to the loan. Total amount repayable: £217,867. The overall cost for comparison is 12.4% APRC representative. This means 51% or more of customers receive this rate or better for this type of product. Exit via sale of secured property or refinance onto a longer-term mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Calculator results are for illustration purposes only and do not constitute a loan offer or personal recommendation. Actual rates depend on your circumstances, the property, your exit strategy, and lender criteria.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to Loan.co.uk Ltd, which acts as a credit broker, not a lender. Rates are subject to status, affordability checks and lender criteria.