Bridging Loan Calculator
Estimate monthly interest, total costs, and fees for UK bridging finance — instantly, in your browser.
Loan details
Estimated costs
Updates as you type — estimates only
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
Sell your property
Need to sell instead of bridging?
SellTo helps UK homeowners sell any property quickly — cash purchase or auction, no fees to you, and a straightforward process. Get a free, no-obligation offer.
Get a free cash offer →We may earn a commission if you use this service. Affiliate disclosure