Calculate your short-term property finance costs instantly. Get accurate monthly payments, total costs, and affordability estimates in seconds.
Calculate your bridging loan, commercial term loan, or buy-to-let mortgage costs instantly
Our loan calculator provides instant estimates for your property finance needs. Simply select your loan type, adjust the amount and term, and input your expected interest rate to see a breakdown of costs.
Important: Subject rates are a guide and additional fees may be applied. This calculator provides estimates only. Actual rates and terms will be confirmed upon application.
Typically 0.75% per month + 2% arrangement fee
Usually 0.58-0.75% per month + 1.5-2% arrangement fee
Generally 0.42-0.5% per month + 1.5-2% arrangement fee
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Try different scenarios easily
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Get instant, accurate estimates for all your bridging finance needs
Monthly costs, total costs, and affordability all in one tool
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Planning a property purchase? You need to know the total cost. Our calculator shows you exactly what you'll pay. We make this easy to understand with transparent cost breakdowns.
Use our calculator to estimate costs before you apply. Enter your loan amount, property value, and term. See monthly payments and total costs instantly. No personal information required.
This is how much you borrow. The property value determines the maximum. Most lenders offer up to 75% of the property's value. For example, a £500,000 property could get you up to £375,000.
The property acts as security. This means if you can't repay, the lender can sell the property. This is why they check the property value carefully.
Interest is charged monthly. Rates vary by lender. Typical rates are 0.45% to 1.5% per month. Your rate depends on:
Example: Borrow £500,000 at 0.75% per month. You pay £3,750 in interest each month. Over 12 months, that's £45,000 in interest.
You'll pay for legal work and property valuation. These are one-off costs:
These fees depend on property type and location. More complex properties cost more to value.
Most loans last 1 to 18 months. Some lenders offer up to 24 months. The term affects your total cost:
Choose a term that matches your exit strategy. Most people plan to sell or refinance within 12 months.
Interest is charged every month. Here's how it works:
Example: You borrow £500,000 at 0.75% per month.
The calculator shows this clearly. You can see how costs add up over time.
Most lenders offer payment options:
Each option affects your total cost. Use the calculator to compare them.
The lender must value your property before approving the loan. This protects them and you.
A professional surveyor visits the property. They check the condition, location, and market value. This takes 3-5 days. The cost is £300-£800.
The valuation determines how much you can borrow. Residential properties: up to 75% of value. Commercial properties: up to 70% of value.
Properties in London and the South East often get better rates. Less established areas may have slightly higher rates. The calculator uses average rates.
Loan terms range from 1 to 18 months. Some lenders offer 24 months. Here's what to consider:
Important: You need an exit strategy. Most people plan to sell, refinance, or use other funds. Lenders check this before approving.
Beyond interest, you'll pay these one-off costs:
£1,000 to £2,500. Covers all legal work, searches, and paperwork. More complex properties cost more.
1% to 2% of the loan amount. Usually added to the loan, not paid upfront. The calculator includes this.
0% to 2% of loan amount. Some lenders waive this if you repay early. Always check the terms.
Ready to apply? Here's what happens:
Get your cost estimate. See monthly payments and total costs. No commitment required.
Contact us for a personalised quote. We'll check your property and situation. Initial decision in 24-48 hours.
Provide property details, proof of income, and exit strategy. Full approval usually takes 5-7 working days.
Our calculator is free and instant. Here's how to use it:
Try different amounts and terms. See how they affect your costs. The calculator updates instantly. No personal information needed.
Common questions about our bridging loan calculator
Get answers to the most common questions about bridging loans
Our expert team is here to help you with your bridging loan needs
Discover our comprehensive range of bridging finance solutions across the UK
Secure fast finance for auction properties with completion deadlines as short as 48 hours.
Finance property renovation and development projects with flexible bridging solutions.
Bridge the gap when your property chain breaks down or you need to complete quickly.
Access equity from your current property while searching for your next home.
Secure land for development projects with fast access to bridging finance.
Exit your development project with flexible refinancing options.
Call now to speak with our team. Available 24/7 with instant responses and expert guidance when you need it most.