Plan a short-term property finance facility

Bridging Loan Calculator

Estimate monthly interest, total interest and the principal-plus-interest repayment. The result is illustrative and excludes lender, valuation, legal and broker fees.

What is bridging loan calculator?

Bridging interest is usually quoted as a monthly percentage. It may be paid monthly, retained from the advance or rolled into the balance. The method changes the net amount received and total repayment.

Common uses

Checking whether a project has enough margin
Comparing different term lengths
Estimating retained-interest impact
Planning a refurbishment budget
Testing a sale or refinance timeline
Preparing information before an enquiry

Loan Calculator

Estimate your bridging finance costs

£250,000
£50k£10M
12 Months
1 month24 months
0.75%
0.5%1.5%

Monthly Payment

£1,875

Interest only

Total Interest

£22,500

Over 12 months

Total Repayable

£272,500

Principal + Interest

Important: This calculator provides estimates only. Actual rates, fees, and terms will vary based on your specific circumstances, property, and lender requirements. Contact us for a detailed, personalized quote.

How the process works

A clear route from initial review to completion.

  1. 1

    Tell us about the case

    Share the property, loan, timing and exit details.

  2. 2

    We review the market

    We identify suitable options from specialist lenders.

  3. 3

    Apply and value

    The chosen lender completes underwriting, valuation and legal work.

  4. 4

    Complete

    Funds are released once the lender's conditions are satisfied.

Bridging Loan Calculator FAQs

Does the calculator include fees?

No. It illustrates interest only. A full quote may also include lender arrangement fees, valuation fees, legal costs, broker fees and other case-specific charges.

Are bridging rates monthly or annual?

Bridging rates are commonly advertised monthly. Compare the total cost for the expected term rather than looking only at the headline monthly percentage.

What is retained interest?

The lender deducts the expected interest from the gross facility at completion. This avoids monthly payments but reduces the net cash released.

Is the calculator a quote?

No. It is an educational estimate. Actual pricing and loan size depend on the property, borrower, leverage, exit, timing and lender criteria.

Free, no-obligation enquiry

Discuss your property finance requirement

Send the key details and our team will contact you to discuss suitable next steps.

UK Property Bridging is a trading name of The UK Adviser Ltd, authorised and regulated by the Financial Conduct Authority (FRN 798920). Not all bridging loans are regulated.

No obligation. We normally respond within one business day. By submitting, you ask us to contact you about this enquiry. See our Privacy Policy.