Bridging Loan Calculator
Understand the real numbers behind a bridging loan — from net funds received to retained interest, fees and the final gross facility.
Enter the proposed property value, loan structure and costs below. You can either start with the net amount you need or work backwards from a lender's maximum gross LTV.
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What the calculator shows
Calculate your bridging loan
Enter the proposed facility details below. Figures are estimates and can be adjusted as you explore different structures.
Property & Facility
Start with the key loan parameters.
Interest Structure
Choose how much of the term's interest is retained within the facility.
What would you like to calculate?
Start from the amount you need, or calculate the maximum available from the LTV.
Fees
Add any lender, broker, valuation, legal or other costs relevant to the transaction.
Understanding the figures
Bridging quotes can look very different depending on whether you're looking at the gross loan, net advance or total facility including retained interest and fees.
Net Loan
The amount actually available for the transaction after any interest and fees retained within the facility.
Gross Loan
The total facility including the net advance, retained interest and any fees added to the borrowing.
Gross LTV
The gross facility expressed as a percentage of the property's value or purchase price.
Retained Interest
Interest deducted or added to the facility at the outset rather than paid monthly by the borrower.
Retained or serviced interest?
Bridging interest doesn't always have to be handled in the same way for the whole term.
An illustration, not a lender quote.
This calculator is designed to help illustrate how bridging loan figures interact. Actual lender calculations, interest methodology, fees, valuations, maximum LTVs and lending criteria can vary between providers.
Speak to an Advisor
Have a funding requirement you’d like to discuss? Speak directly with one of our commercial finance advisors.
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within 2 working hours.
Have a funding requirement you’d like to discuss? Speak directly with one of our commercial finance advisors.
Book a quick, no-obligation consultation with one of our commercial finance specialists — we’ll help you find the most suitable solution for your business.