Tool
Bridging loan cost calculator.
Enter the loan, the rate and the term to see the arrangement fee, the interest treatment and the true cost of the finance. Indicative only — real terms depend on the asset, the exit and the borrower.
This calculator estimates the total cost of a bridging loan. Enter the loan amount, monthly rate, term and fees to see the arrangement fee, the interest under retained, rolled-up or serviced treatment, and the overall cost of the finance, so you can compare options before you approach a lender.
Your deal
Payable on completion.
Valuation, lender legal, borrower legal.
Interest is deducted from the gross loan up front, reducing the net advance.
Your figures
- Gross loan
- £325,000
- Net advance released to you
- £285,350
- Total interest over term
- £33,150
- Arrangement fee
- £6,500
- Exit fee
- £0
- Broker fee
- £3,250
- Other costs
- £3,500
- Total cost of finance
- £46,400 · 14.28% of loan
- Day one funds required from you
- £181,750
- Redemption figure at exit
- £325,000
AssumptionsShowHide
Included
- Lender interest across the full term, based on the treatment selected.
- Lender arrangement fee, calculated on the gross loan.
- Lender exit fee, calculated on the gross loan where entered.
- Broker fee, payable on completion.
- An estimate for valuation, lender legal and borrower legal costs.
Not included
- Stamp Duty Land Tax and any other purchase taxes.
- Insurance, ground rent, service charges and holding costs.
- Refurbishment or works costs, and any drawdowns beyond day one.
- Early redemption charges or extension fees.
- VAT on professional fees where applicable.
Illustration only. Not a quote, offer, or decision in principle. Confirm all figures with the lender before you rely on them.
Results are illustrative only and are not an offer of finance. Actual terms depend on the property, the borrower and the lender.
Discuss a dealHow this is calculated
Interest is worked out monthly on the loan for the term you enter. Retained interest is deducted from the loan at the start, rolled-up interest is added to the balance and repaid at exit, and serviced interest is paid each month. Fees are then added to give the total cost of the finance.
For how bridging is priced, what lenders expect from an exit and what happens if the exit slips, read the full bridging finance guide.
Want the real number, not the indicative one?
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