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Bridging Loan Calculator

We have access to the best bridging loan rates and the fastest bridging loans in the UK. We are open 7 days a week until 8:30 p.m.

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estate planning 10 Bridging Finance

Using our bridging loan calculator

Our bridging loan calculators helps you understand all of the costs associated with getting a bridging loan. It gives you a good estimate of what the terms of the finance could look like.   

If you need help using the calculator, give us a call and our team will be happy to assist you.  

We promise to keep your personal information safe. When using the calculator, we will not perform credit checks and are committed to protecting your personal date. We are registered with the Information Commissioner Office (ZA115985). 

The bridging loan calculator results are indicative and subject to lender criteria. To get an accurate idea of the quote that is available to you, please give us a call. 

How to use our calculator

1. Enter your desired loan term and security property valuation. This helps us to judge if there is enough equity available to provide the lending required.

2. Enter the required loan amount. Our loans start from £20,000 and can be used for any legal reason.

3. Enter details of any current outstanding borrowing if applicable. This will determine the overall loan to value.

4. calculate your repayments by submitting the form. In just a few short moments, we will have calculated your Loan-to-Value(LTV) and lending eligibility.

5. Your loan repayment figures will be presented on screen, as well as an email copy sent to your inbox. A dedicated advisor will follow up with a call to discuss your requirements in more detail.

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How is interest calculated?

Interest is usually rolled up on bridging loans but there is also an option to service this monthly subject to affordability. The interest is typically calculated daily with most lenders but some do calculate it monthly. This means when you repay the loan you will only pay interest for the amount of time you have had the loan for. 

Potential costs associated with a bridging loan:

Lender application fees – usually 2% of the loan amount required and this is added to the loan. 

Valuation fees – this varies from lender to lender depending on the surveyor used. Some lenders do offer desktop valuations which are free of charge but subject to criteria. The valuation carried out will be for mortgage purposes only. 

Legal fees – this will be to cover the lenders solicitor costs; you may still need to instruct your own solicitor which will be an additional cost. Some lenders offer dual representation where the lenders solicitors’ act for both the lender and the client.  

Redemption charges – although lenders do not have any early repayment charges, some do charge a redemption fee which is payable on full redemption of the loan. This can be between £100 to £300 depending on the lender.