Bridging Loan Calculator

Estimate your monthly interest in 3 quick steps. Rates from as low as 0.35% per month.

Compare bridging loans from UK lenders
✔ Rates from 0.35%/month
✔ Compare 200+ lenders
✔ Specialist property brokers
✔ No obligation quotes
Step 1 of 4 — Property Value

What is the property value?

Enter or select the estimated value of the property being used as security.

£
Please enter the property value to continue.
Step 2 of 4 — Loan Amount

How much do you need to borrow?

Most bridging lenders will lend up to 75% of the property value (LTV).

£
0%
Loan to Value (LTV)
Enter a loan amount to see your LTV
Please enter the loan amount to continue.
Step 3 of 4 — Property Use

Will you live in the proposed property?

This helps us match your enquiry with the right lenders for your circumstances.

Please select an option to continue.
Step 4 of 4 — Loan Term

How long do you need the loan for?

Select the bridging loan term that best suits your project timeline.

Please select a loan term to continue.
Step 5 of 5 — Loan Type

What type of bridging loan do you need?

Select the option that best describes your situation and we will match you with the right lenders.

Your Estimate

Your Estimated Interest Costs

Adjust the rate below to explore different scenarios. A broker can confirm the rate you may qualify for.

0.35%
0.35% (market low)1.00%

New products on the market now offer rates from as low as 0.35% per month. Your actual rate will depend on your LTV, property type and circumstances.

Loan to Value (LTV)--
Monthly Interest--
Total Interest Cost--

This estimate is for illustration only and does not include arrangement fees, legal costs or other charges. Actual rates and costs vary by lender, property type, LTV and borrower circumstances.

Example Bridging Loan Scenario

Here is a simple example showing how bridging finance could work on a £300,000 property purchase using one of the new low-rate products now available on the market.

Property Value £300,000
Loan Amount £200,000
Loan to Value 66.7%
Monthly Rate 0.35%
Loan Term 12 months
Interest Type Rolled up
Monthly Interest Cost £700.00
Total Interest Over 12 Months £8,400.00
Total Amount Repaid at Exit £208,400.00

This example is for illustration only. Actual costs, fees and rates vary by lender, LTV and borrower circumstances. Arrangement fees, legal costs and exit fees may also apply.

What Is a Bridging Loan and How Does It Work?

A bridging loan is a short-term secured finance product, typically used to fund a property purchase or project quickly while longer-term finance is arranged or an existing property is sold.

Unlike a mortgage, bridging loans can be arranged in days rather than weeks, making them popular for auction purchases, chain breaks, refurbishment projects and below-market-value opportunities where speed is critical.

Interest is usually charged monthly and can be rolled up into the loan, meaning you do not need to make monthly payments. The full amount is repaid at the end of the term when your exit strategy completes, such as a property sale or remortgage.

Fast Funding

Funds can be released in as little as 3 to 14 days, ideal when speed is critical to securing a deal.

£

Rates from 0.35%

New products now offer monthly rates as low as 0.35%, significantly reducing your total interest costs.

Flexible Terms

Terms from 1 to 24 months, with most lenders lending up to 75% LTV on residential property.

Ready to find out what rate you could qualify for? Compare options from 200+ UK bridging lenders with no obligation.

Get My Rate

Common Uses for Bridging Finance

Bridging loans are used across a wide range of property scenarios. Here are some of the most common situations where a bridging loan could help.

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Auction Purchases

Auction completions typically require full payment within 28 days. A bridging loan provides the speed needed to secure the property before the deadline.

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Property Chain Breaks

If your buyer pulls out or a chain collapses, a bridging loan can keep your purchase on track while you find a replacement buyer for your existing property.

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Refurbishment Projects

Properties that are unmortgageable due to their condition can be purchased and refurbished using bridging finance, then refinanced or sold once works are complete.

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Below Market Value

Act quickly on undervalued properties, distressed sales or motivated seller deals where a standard mortgage timeline would cost you the opportunity.

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Development Finance

Fund land purchases, ground-up development or heavy refurbishment projects with short-term finance while you build, convert or develop the site.

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Refinancing

Replace an existing bridging loan approaching maturity, or restructure short-term debt while you arrange longer-term finance through a mortgage or sale.

Compare Bridging Loan Rates