Bridging loan calculator
A bridging loan is short-term, interest-charged monthly (typically 0.55% to 1.5% a month) and secured on property. Enter the loan, the property value, the monthly rate and the term to see the monthly interest, the total interest, the fees and the exit figure you repay at the end.
Used to work out the loan-to-value (LTV).
Bridging is quoted per month, not per year.
Most lenders cap around 70 to 75%.
Indicative estimate for limited-company business finance, not a quote or a credit decision. Rates you enter are your own; no credit search is run. Reviewed July 2026.
Loan-to-value
What you owe (interest rolling up)
Cost breakdown
Get an indicative bridging loan quote
No obligation, no credit search. We are a broker for limited-company business finance and may receive commission from the lender.
Worked example
For £250,000 bridging loan at 0.8% over 1 yr, the amount to repay at exit is £276,727. Loan-to-value (LTV): 50.0%. Monthly interest: £2,125. Total interest: £26,727.
How it works
- Bridging interest is charged monthly on the amount borrowed, not once a year.
- Rolled-up: no monthly payments, the interest is added and settled from the exit (a sale or refinance).
- Serviced: you pay the interest each month and repay the capital at the end.
- Lenders lend against the property value (the LTV), usually up to 70 to 75%.
- Fees (arrangement, valuation, legal) are on top of the interest and form part of the total cost.
Frequently asked questions
How is bridging loan interest calculated?
It is charged as a monthly percentage of the loan (for example 0.85% a month), either rolled up and paid at the end or serviced monthly. Over 12 months a 0.85% monthly rate is roughly 10.2% across the year before fees.
What LTV can I get on a bridging loan?
Most UK bridging lenders cap the loan at around 70 to 75% of the property value, higher with additional security. The calculator shows your LTV so you can see where you sit.
What does exit figure mean?
It is the total you repay to clear the loan at the end of the term. On a rolled-up loan that is the capital plus all the accrued interest; on a serviced loan it is the capital, because you have paid the interest monthly.
Is this a quote?
No. It is an indicative estimate to help you plan. Real terms depend on the property, the exit and the lender. CoreFi is a broker for limited-company business finance and can arrange indicative terms.
This calculator gives an indicative estimate of business finance for limited companies. It is not a quote, an offer, or a credit decision, and no credit search is run. CoreFi is a trading name of JG Core Ltd (company 16218779), a finance broker not a lender, and may receive commission from the lender. Figures reviewed July 2026.