Free bridge finance calculator - work out your monthly interest payments, arrangement fees and total cost instantly. Calculate bridging loans from £50k to £5M with competitive rates from 0.45% per month.
Adjust the sliders to see instant cost estimates
The estimated value of your property
LTV: 77% (up to 90% available)
Typical rates: 0.45% - 1.5% per month
Typical term: 1-18 months
Typical fee: 1-2% of loan amount
Based on your inputs
What you pay on top of the loan amount
No obligation. Free quote in 24 hours.
Real-time cost estimates as you adjust your requirements
Calculate freely without providing any personal information
See exactly where your money goes with clear cost breakdowns
Get accurate cost estimates in 4 simple steps
Input the total amount you need to borrow (£50,000 to £5,000,000). This is the gross loan amount before any fees. Most bridging lenders offer 65-75% LTV, so if your property is worth £500,000, you can typically borrow up to £375,000. Use the slider or type directly for precision.
Bridging loan rates range from 0.45% to 1.5% per month. First charge residential loans at low LTV get competitive rates (0.45%-0.65%). Second charge or higher risk deals pay 0.85%-1.5%. Use the rate slider to see how different rates affect your monthly payments and total cost over your chosen term.
Select how many months you need the loan (1-18 months typical). Auction purchases often use 3-6 months. Refurbishment projects need 6-12 months. Major developments may need 12-18 months. Remember: longer term = more total interest, but gives you more time to execute your exit strategy.
The calculator instantly shows: monthly interest payment, total interest over the term, arrangement fee (typically 2%), and total amount to repay. The visual breakdown makes it easy to understand your costs. Remember to budget an extra £2,000-£5,000 for legal fees, valuation, and exit fees not shown in the calculator.
Try calculating multiple scenarios with different rates and terms. Compare a 6-month vs 12-month loan to see how term length affects your total cost. Most investors find the sweet spot is 6-9 months for refurbishment projects and 3-6 months for auction purchases.
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Know exactly what you'll pay before you apply. Our calculator breaks down all the costs.
0.45% - 1.5% per month. Your rate depends on LTV, property type, and credit profile.
Typically 1-2% of loan amount. Usually added to the loan, not paid upfront.
One-off costs for legal work and property valuation by qualified surveyor.
1-18 months typical. Longer term = more interest total but spreads the cost.
Pay interest each month. Keeps total debt lower. Most common option.
Interest added to loan. Pay everything at the end. No monthly payments.
Lender holds interest upfront. Deducted from initial advance.
| Term Length | Monthly Interest | Total Interest | Best For |
|---|---|---|---|
| 3 months | £3,750 | £11,250 | Quick sales, auction purchases |
| 6 months | £3,750 | £22,500 | Light refurbishments |
| 12 months | £3,750 | £45,000 | Major renovations, development |
*Based on £500,000 loan at 0.75% monthly interest
The most accurate and feature-rich bridging loan calculator in the UK
| Feature | Our Calculator FastBridgeFunding | Competitor A | Competitor B |
|---|---|---|---|
| Monthly interest calculation | ✓Accurate monthly | ✗Annual estimate only | ✓ |
| Arrangement fee included | ✓Fully calculated | ✗Not shown | ✓ |
| Compare multiple scenarios | ✓Unlimited | ✗ | ✗ |
| Visual cost breakdown | ✓Charts & graphs | ~Basic | ✓ |
| Mobile-friendly design | ✓Fully responsive | ~Limited | ✓ |
| No registration required | ✓Instant access | ✗Email required | ✓ |
| Loan range coverage | £50k - £5M | £100k - £2M | £75k - £3M |
| Expert support available | ✓Broker team ready | ✓ | ~Limited |
Calculator features comparison as of January 2026. Competitor features may vary.
How to calculate bridging loan costs, interest rates and repayments
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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.
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