Bridging Loan Calculator
Estimate monthly interest, total costs, and fees for UK bridging finance — instantly, in your browser.
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What is bridging finance?
A bridging loan is a short-term secured loan — typically lasting 1 to 24 months — used to “bridge” a gap between buying a new property and selling an existing one, or to fund a purchase quickly when a standard mortgage isn’t available in time.
Because bridging loans are fast to arrange and flexible on property condition, they’re often used to buy unmortgageable properties at auction, fund refurbishments, or complete a chain-break — situations where a high-street mortgage simply won’t work.
The cost is quoted as a monthly interest rate (typically 0.5–1.2%) rather than APR. Monthly rates sound small, but compound quickly over 12–24 months — which is why your exit strategy (the plan to repay the bridge) must be solid before you proceed.
In addition to interest, most bridging lenders charge an arrangement fee (1–2% of the loan), and sometimes a valuation fee, legal fees, and an exit fee. Always request a full cost illustration from any lender or broker.
Typical bridging terms
- Monthly rate0.5 – 1.2%
- Typical LTVUp to 70–75%
- Arrangement fee1 – 2%
- Term1 – 24 months
- Turnaround5 – 14 days
- Min. loan~£25,000
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Compare bridging lenders for your loan
See which bridging lenders match your situation, then plan your exit-to-mortgage.
Get startedOur exclusive broker partner
Create Finance — for bridging finance with a planned exit to specialist mortgage
Create Finance is authorised and regulated by the FCA — Unmortgageable is not. We earn a referral fee from Create Finance only if your mortgage completes through them. This never affects what you pay or what advice you receive.
Unmortgageable is not FCA-authorised. Create Finance is — verify them independently on the FCA Register. See our affiliate disclosure.
This page is educational content, not financial advice or a personal recommendation. Unmortgageable is not FCA-authorised. Any broker or lender we link to is separately regulated — verify them on the FCA Register before engaging. See our affiliate disclosure.