Bridging loan calculator
Work out the interest, fees and total cost of a bridging facility over your term.
- Arrangement fee£0
- Monthly interest£0
- Total interest over term£0
- Total to repay (rolled up)£0
Indicative only. Excludes valuation, legal and exit fees, and is not an offer of finance.
How the bridging calculator works
Bridging interest is quoted per month and charged on the loan for the length of the term. The calculator multiplies your monthly rate by the loan and the number of months to give the total interest, adds the arrangement fee, and shows the total to repay if interest is rolled up to exit. Valuation, legal and exit fees are extra and vary by lender.
When developers use a bridge
A bridge funds a fast or auction acquisition, or holds a site through the pre-planning period, then exits onto development finance once the scheme is ready to build. It can also bridge the gap at the end of a scheme while a sale or term refinance completes. We arrange the bridge and the development facility together so the exit is planned from the start.
Bridging loan calculator: common questions
How is bridging loan interest calculated?
Bridging interest is charged monthly on the loan, quoted as a monthly rate (for example 0.85 percent per month). Over a fixed term the total interest is the monthly rate multiplied by the loan and the number of months. Most development bridges roll the interest up and repay it on exit rather than servicing it monthly.
What is a typical bridging rate?
Bridging and development-bridge rates commonly run from around 0.65 to 1.0 percent per month depending on the asset, leverage and borrower, plus an arrangement fee of about 1.5 to 2 percent. This calculator lets you model any rate and term.
What is the difference between retained, rolled and serviced interest?
Retained interest is deducted from the loan up front; rolled-up interest is added to the balance and repaid on exit; serviced interest is paid monthly from cashflow. This calculator shows the total interest cost, which is the same across methods before cashflow timing.
Can I use a bridge for property development?
Yes. A bridge funds a fast acquisition (including auction purchases) or the pre-planning period, then exits onto development finance once planning is in place and the build starts. We arrange the bridge and the development facility together.
Need a bridge priced properly?
Tell us the asset, the leverage and the exit, and we will come back with a real quote within one working day.