Bridging Loan Calculator UK
Estimate your UK bridging loan costs instantly. Calculate monthly interest, arrangement fees, exit fees, and the total amount repayable.
Bridging Loan Details
Enter your loan and property details to estimate the total cost
The total amount you wish to borrow before fees are deducted.
Current market value of the property used as security.
Typical UK bridging rates range from 0.4% to 1.5% per month.
Expected length of the bridging loan, typically 1 to 24 months.
How the interest is charged affects funds released and monthly cash flow.
Typically 1% to 2% of the gross loan amount.
Some lenders charge an exit fee on the loan amount. Enter 0 if none.
Combined estimate for valuation and legal costs.
Bridging Loan Results
Estimated interest, fees, and total repayable
Enter your loan details above, then click Calculate Loan Cost to see the full cost breakdown.
UK Bridging Loan Rate Benchmarks
Typical monthly interest rates by loan-to-value band, based on standard first-charge residential bridging finance.
| Loan-to-Value (LTV) | Typical Monthly Rate | Typical Annual Equivalent |
|---|---|---|
| Up to 50% | 0.44% – 0.65% | 5.3% – 7.8% |
| 50% – 60% | 0.55% – 0.75% | 6.6% – 9.0% |
| 60% – 70% | 0.70% – 0.95% | 8.4% – 11.4% |
| 70% – 75% | 0.85% – 1.25% | 10.2% – 15.0% |
| Above 75% (specialist) | 1.10% – 1.50%+ | 13.2% – 18.0%+ |
Bridging Loan FAQ
Everything you need to know about how UK bridging loans are priced and structured.
Bridging loan interest is usually charged monthly rather than annually, typically ranging from 0.4% to 1.5% per month depending on the lender, loan-to-value, and borrower risk profile. Interest can be paid monthly, rolled up and added to the loan balance, or retained and deducted from the loan upfront.
Serviced interest is paid monthly by the borrower throughout the loan term. Rolled-up interest is added to the loan balance each month and paid in full at the end, along with the capital. Retained interest is calculated for the full term upfront and deducted from the funds released at completion.
Most UK bridging loans include an arrangement fee of around 1% to 2% of the loan amount, plus valuation fees, legal fees, and sometimes an exit fee of around 1%. Some lenders also charge a broker fee. Always check the full cost breakdown before proceeding.
Most UK bridging lenders offer up to 70% to 75% loan-to-value against the property being used as security, though some specialist lenders may go higher with additional security or a higher interest rate. The maximum LTV depends on the property type, condition, and exit strategy.
Bridging loans can often be arranged in as little as 5 to 14 days, considerably faster than a standard mortgage, because underwriting is typically more flexible and focused on the security property and exit strategy rather than lengthy income checks.