Bridging Loan Cost Calculator UK
Bridging is short-term, expensive money quoted by the month. See the true total cost of finance, the net advance you actually receive, and the total you repay across retained, rolled-up and serviced interest.
Bridging is short-term, typically 1 to 24 months.
Bridging is quoted per month, not per year. 0.7-1.2% is typical.
Interest deducted up front; no monthly payments
Deducted from the advance up front in all cases.
Total cost of finance
£19,800
Roughly 13.2% a year, all-in, over a 12-month term.
Net advance (day one)
£130,200
Total repayable
£169,800
Retained: the full term's interest is deducted from your advance on day one.
Not financial advice. For educational purposes only. Bridging rates, fees and interest structures vary widely by lender and deal. Verify all figures, the exact interest basis and any early-repayment terms with your broker and lender before committing.
The monthly rate hides the real cost. A headline 0.85% per month looks small, but add a 2% arrangement fee, valuation and legal costs, and a short term, and the all-in annualised cost is well into double digits. Compare bridging deals on total cost of finance and net advance, not the monthly rate alone.