Bridging loan calculator & guide

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Ask about a bridging loan

The bridging loan calculator above will help you plan for your finance request by giving you an indication of rates & how much you will need to repay at the end of your short-term finance.

You can compare loan repayments by changing the interest rate on the calculator.

The bridging loan calculator will provide you with four figures:

  1. The total lender fee (the calculator uses a value of 2% of the total loan amount, this may vary, so a personalised illustration should be sought from our advisors)
  2. Our broker fee (the calculator uses a value of 1% of the total loan amount, this may vary, so a personalised illustration should be sought from our advisors)
  3. The monthly interest repayment
  4. The total amount payable at the end of the loan term

Please note that there are other ways of paying your bridging finance which may alter the monthly and total amounts you need to repay.

The actual repayment amount may vary depending on a number of factors, such as how you choose to repay your interest. Ask our advisers for a personalised loan illustration.

Click the "Tell us about your bridging loan requirements" and we will call you back to discuss your options and the type of finance you need. 

Tell us about your bridging loan requirements

Understanding bridging loan rates

We are not tied to specific mainstream banks or lenders and can search a range of lender rates and criteria to find the short-term finance which matches your needs. We are highly experienced in finding solutions for property investors who want to move from bridging loans to a buy to let mortgage.

Typical interest payable on a £100,000 bridging property loan

Interest rate Monthly interest
0.59% £590
0.70% £700
0.75% £750
0.85% £850
0.95% £950
1.00% £1,000
1.05% £1,050
1.10% £1,100
1.20% £1,200
1.25% £1,250
1.50% £1,500

This table is an indication of some typical bridging loan interest rates. As no two bridging deals are the same, please view this as a representation of what the interest on a loan of £100,000 would typically cost, for the rates available today.*

You must consider how you will exit the bridge and pay off the loan capital

The bridging loans we recommend are not regulated by the FCA.

*This does not include any of the fees associated with a bridging finance such as the valuation fee or any solicitor fees as these will vary from lender to lender.


Bridging is a very versatile way of securing short-term finance and can be tailored to suit a variety of circumstances

You can acquire a bridging loan on a first or second charge basis, open or closed and loans that come alongside (or even become) other products.

Bridging loans can help purchase properties by financing any shortfall in funds between a sale and moving to the next home. The interest on the short-term finance will be a higher than standard rates of interest.

But did you know that you can also choose how to pay the interest on your bridging loan?

Traditional monthly repayments on bridging finance

Most bridging loans are structured so that you will repay the interest on the loan each month, and then repay the full principal at the end of the loan.

This method of borrowing suits customers who will have a consistent regular cashflow throughout the lifetime of the loan and will be able to service monthly payments without over-extending themselves.

However, it is also possible to pay off the interest alongside the principal of the loan and even deduct some or all of the interest from the loan advance.

Rolling interest

Rolling the interest on your bridging loan means that you will make no repayments during the lifetime of the loan; rather, you will repay the rolled interest upon the loan’s redemption.

The interest is usually compounded, which means that it will be calculated anew at the end of each loan period (usually a month). So whilst monthly payments reduce the outstanding balance each month and are therefore the same, repayments accrued under compound interest actually become a little larger.

Bridging loan example

Example bridging loan: repayments on a 12 month, £100,000 loan with interest charged at 0.75% will be £750 per month. The full cost of the loan at redemption will be £109,000.

With compound interest, the first payment will be £750, the second £755.63 (0.75% of £100,750), and so on. The cost of this loan paid with rolling interest will be £109,380.69.

Bridging loans larger than £25 million can be arranged via specialist lenders, contact us for details.

This example only costs an average of £32 per month more than the non-rolling loan, but rolling the interest at higher interest rates, on larger loans or for longer terms can really add up. The flipside is the ability to make full use of the loan without having to worry about monthly repayments, and for borrowers seeking smaller, shorter-term loans, rolling interest can be extremely useful.

Use the calculator below to work out the total cost of a rolling repayment bridging loan vs. a monthly repayment bridging loan.

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Interest deducted

Rather than pay rolled interest at the end of the loan term or pay it off throughout in monthly instalments, you can also opt to deduct it from the principal at the start of the loan.

In the above example, for instance, you would deduct the £9,000 of regular interest repayments from the loan advance, meaning that you would only receive £93,000. However, you would avoid compound interest and would be free of monthly repayments, giving you the flexibility needed to focus on your project. Structuring a loan in this manner is particularly conducive to longer terms of up to 24 months.


It is also possible to combine any of the above three options. For instance, you could deduct half of the interest from the advance of the loan and then roll the remainder to redemption. You could even deduct half of the interest, roll a proportion of the remainder and then make regular repayments for the last two or three months when the project is nearly finished.

Every bridging finance arrangement is a bespoke product tailored to meet the borrower’s needs, so give us a call today on the number at the top of the page or make a loan enquiry to see how we can structure a loan to suit you.