Bridging loan calculator: every cost, instantly.
Most bridging calculators show you a teaser rate and then demand your email. Ours shows the full cost of borrowing live: gross loan, interest, arrangement fee, estimated valuation and legals, and your redemption figure, with retained and serviced interest compared side by side. No contact details required to see any of it.
What the calculator shows you
Enter four inputs: property value, net loan required, term in months, and whether interest is retained or serviced. The calculator returns your gross loan (net advance plus retained interest plus fees added to the loan), your monthly rate based on current whole of market pricing at your LTV, your loan to value, and the full redemption figure you would repay at exit.
The retained versus serviced comparison matters most: retained means no monthly payments but a smaller day one advance; serviced means a larger advance but provable income required. Seeing both side by side on your actual numbers usually settles the structure question in one look. For the full explanation of every cost line, read how much a bridging loan costs.
Why no email gate
Because a quote you cannot see without handing over your phone number is not a quote, it is a lead capture form. If our pricing is right for your deal, you will apply; the calculator attaches your exact inputs and quote to the application so we start from your numbers, not a blank page.
A note on the value you enter
The figures here assume the property value you enter is the value the lender will use. On mainstream residential security that is usually market value. On commercial, land or specialist assets many lenders apply a restricted marketing period figure instead, typically 5% to 25% below market value, which reduces the advance without changing the headline loan to value at all.
If your deal is anything other than standard residential, it is worth understanding which figure your percentage will be applied to before relying on an output. 90 and 180 day valuations explained →