Bridging loan cost calculator

Bridging is priced monthly, and the headline rate is only part of the story: arrangement and exit fees, valuation and legals all add up — and retained interest is deducted from the advance up front. Enter the loan details to see the true cost of finance.

The loan

Gross loan

Monthly rate

Term

Interest treatment

Retained: interest is deducted from the advance up front. Serviced: interest is paid monthly.

Fees

Arrangement fee

Exit fee

Valuation fee

Legal fees

Total cost of finance

£26,800

over 12 months at 0.85%/month

Total interest£20,400

Arrangement fee£4,000

Exit fee£0

Valuation + legals£2,400

Net day-one advance£175,600

Speak to our broker partner

Free · No obligation · Whole of market

Illustrative only — not advice or an offer of finance. Rates and criteria vary by lender.

More finance tools

BTL affordability

How much could you borrow against the rent?

Stamp duty

SDLT, LBTT or LTT including investor surcharges.

ROI & yield

Gross yield, net yield and cash-on-cash return.

Speak to a broker

Whole-of-market search by an FCA-authorised broker. Free, no obligation.

This calculator is for illustrative purposes only and reflects typical bridging market conventions, not any specific lender's terms. It is not advice, an offer of finance, or a quotation. Actual rates, fees and deductions vary by lender and case. Always seek professional advice.