Bridging loan calculator
Explore an indicative loan amount, interest and loan-to-value scenario. It is not an offer, quotation or approval.
Bridging loan advice centre
These guides explain how short-term property finance can be used, what lenders may assess and why a credible exit matters. Bridging is often used to solve a timing problem, but it is secured borrowing with costs and risks. BridgingLoans.online is an introducer, not a lender, and this hub is not personal financial advice.
Tools
Guides
How bridging loans work
Practical explainer from the advice set.
Costs and fees
Practical explainer from the advice set.
Exit strategies
Practical explainer from the advice set.
How fast can I get a loan
Practical explainer from the advice set.
Alternatives
Practical explainer from the advice set.
Use-case pillars
Auction finance
Read how this use case is typically structured and what lenders look for.
Chain-breaking finance
Read how this use case is typically structured and what lenders look for.
Buy before you sell
Read how this use case is typically structured and what lenders look for.
Overseas property
Read how this use case is typically structured and what lenders look for.
Capital raising
Read how this use case is typically structured and what lenders look for.
Self-build
Read how this use case is typically structured and what lenders look for.
Heavy refurbishment
Read how this use case is typically structured and what lenders look for.
Commercial bridging
Read how this use case is typically structured and what lenders look for.
Land finance
Read how this use case is typically structured and what lenders look for.
Development exit
Read how this use case is typically structured and what lenders look for.
Regulated bridging
Read how this use case is typically structured and what lenders look for.
Unregulated bridging
Read how this use case is typically structured and what lenders look for.
Limited company
Read how this use case is typically structured and what lenders look for.
Bad credit
Read how this use case is typically structured and what lenders look for.
Open vs closed
Read how this use case is typically structured and what lenders look for.
Before you enquire
Prepare the property address and value, existing mortgage balances, amount required, purpose, preferred term and proposed exit. If the exit is a sale, use a realistic net figure after costs. If it is a refinance, consider affordability, property condition, certification and the future lender’s criteria.
Ask any broker or lender for the gross advance, net funds, interest method, all fees, maturity date, extension terms and total repayment. You can check a firm’s status using the FCA’s consumer guidance on checking authorisation.
What is the difference between open and closed bridging loans?
A closed bridging loan has a repayment date the lender can treat as contracted, such as a sale that has already exchanged. An open bridging loan has no fixed repayment date, but it still has a maximum term and still needs a credible exit.
What interest rates do bridging loans typically use?
Bridging is usually quoted as a monthly rate. In the current UK market many files sit somewhere around 0.75% to 1.5% a month, depending on loan-to-value, the asset, occupancy and the strength of the exit. That is market context, not an advertised starting rate.
Can I get a bridging loan with bad credit?
Sometimes. Bridging is secured against property, so underwriters often look first at equity and the exit. Adverse credit can still change the rate, the maximum LTV or whether a refinance exit is realistic.
Do I need to make monthly repayments?
Not on a retained-interest facility. The interest for the term is added up front and repaid with the loan. Serviced interest is paid each month and needs an income the lender will accept.
Can bridging finance be used if a property is at risk of repossession?
Some specialist lenders will consider a facility that clears arrears so a property can be sold in an orderly way. It is still secured borrowing, it is not guaranteed, and you should take advice quickly.
How quickly can funds be released?
A decision in principle can sometimes be issued the same day. Drawdown typically follows valuation and legal checks; timescales vary. Regulated cases include extra consumer steps and usually take longer.
Why does the calculator warn above 75% LTV?
Many institutional bridging lenders assess risk on the gross loan, including fees and retained interest, and often cap that at around 75% of the security value. Extra cash or additional security may be needed above that.
Start with an indicative calculation
Then seek advice from an appropriately qualified broker, lender or solicitor. We may share your enquiry with FCA-regulated partners.