Bridging finance

What will your
bridge cost?

Calculate the total cost of a bridging loan — including interest, arrangement fees, and all charges — across retained, rolled up, and serviced interest structures. Know the full picture before you commit.

Three interest structures Full cost breakdown LTV calculation Completions from 7 days
Bridging cost calculator

Select your interest
structure first

Bridging loans can be structured three ways. The interest type affects how costs are calculated and what you pay at redemption. Select the structure that matches the deal you're considering.

Loan details
Net loan required
£
£50k£5m
Property value For LTV calculation
£
£50k£10m
Monthly interest rate Typically 0.5–1.2%
% /mo
0.3%2.0%
Loan term
months
1 mo24 mo
Fees
Arrangement fee % of net loan
%
0%3%
Exit fee % of loan — enter 0 if none
%
0%2%
Other fees Valuation, legal, admin
£
Total to repay — retained interest
Amount due at redemption
£532,500
Total interest
£22,500
Total fees
£12,500
Gross LTV
70.1%
Monthly cost
£0
Retained: interest calculated upfront on the net loan and added to the gross facility. Nothing paid during the term — full amount due on redemption.
Full cost breakdown
Net loan (amount received) £500,000
Interest (retained) £22,500
Arrangement fee £10,000
Other fees £2,500
Total cost of finance £35,000
Effective annual rate (indicative): —. Bridging rates are quoted monthly — always compare on total cost, not headline rate.
When bridging makes sense

Fast money for
time-sensitive deals

Common use
Auction purchases
Auction completions typically require 28 days — too fast for a standard mortgage. A bridge provides the funds immediately, with a longer-term mortgage arranged in the background.
Common use
Chain break
If your purchase is delayed by a broken chain, a bridge allows you to complete on the new property while waiting for the sale to go through — avoiding losing the deal.
Common use
Refurbishment & development
Properties in poor condition often can't be mortgaged. A bridge funds the purchase and refurbishment, then exits to a standard BTL or residential mortgage once works are complete.

Have a live deal
to discuss?

Bridging moves fast — lenders can approve in 24–48 hours and complete within days. Speak with Nathan now and we'll tell you what's possible and what it will cost before you commit.

Speak with Nathan Bridging finance

FCA regulated · Whole-of-market · Independent advice