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
Short answer: bridging is short-term finance secured on property, repaid from a planned sale or refinance. 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
Security, monthly interest, gross vs net and each step from enquiry to exit.
Costs and fees
Every charge, dated market bands and a worked £250,000 example.
Net vs gross
How to calculate net, fee, interest, gross and gross LTV.
LTV explained
LTV caps by property type, day-one and GDV limits, and the deposit they imply.
Interest types
The three interest methods side by side on the same figures.
Light refurbishment
What counts as light works, the 75% gross test on current value and the exit.
Bridging loans in Scotland
Standard securities, missives, LBTT and the 8% ADS, with a worked £240,000 example.
Exit strategies
Sale, refinance or a documented receipt: what lenders test.
How fast can I get a loan
The stages to drawdown and what speeds them up or slows them down.
Alternatives
When a remortgage, second charge or development loan fits better.
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.
Last reviewed: 20 October 2026 · By Pasecom Group Ltd editorial team
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.
How to use these guides
If you have a live transaction, start with the guide that matches your situation: auction finance if you have a completion deadline, chain-breaking finance if a buyer has pulled out, or buy before you sell if your onward purchase is ready first. Then read the cost and exit guides, because those are what lenders test. Model the figures in the calculator before you enquire, and check what we do and do not do on the about us page.
Is it regulated or unregulated?
Occupancy is the legal dividing line. If you or a close family member live in, or will live in, the property as a home (the usual test is at least 40% of it), the loan is likely to be a regulated mortgage contract, with affordability checks, consumer protections and a term that cannot usually exceed 12 months. If nobody in your family will ever live there, for example a buy-to-let, a commercial unit or land, the loan is usually unregulated. See regulated bridging and unregulated bridging.
Your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
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. A public rates guide reviewed on 22 September 2026 put prime cases at about 0.55%–0.65% a month, mainstream cases at about 0.65%–0.95% and specialist cases at about 1.0%–1.5% or more; the Bridging Trends Q2 2026 average was about 0.81%. Guidance only. Not our rates — we do not lend.
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.
Where should I start if I am new to bridging?
Read how bridging works for the overview, then costs and fees and exit strategies. Those three cover most of what a lender will ask.
Who writes the guides in the advice centre?
The Pasecom Group Ltd editorial team. Each guide shows when it was last reviewed. They are general information, not personal advice.
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.