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Property financeLast updated: 22 Jul 2026
Bridging loan calculator
Our bridging loan calculator gives you an instant estimate of your monthly interest cost and total repayment on a bridging loan.
Bridging loan calculator
Enter the loan terms below to see your estimated repayments.
How much do you want to borrow?
£
£50,000
£1,000£2 million
How long do you want to pay your loan back for?
2 years
3 months10 years
What is the annual interest rate?
17%
0.1%99%
Please note that some lenders may charge additional arrangement fees, which are not included in this calculation and should be considered when comparing total borrowing costs.
Loan amount£50,000
Total interest£9,333
Annual interest rate17%
Monthly interest rate1.417%
Daily interest rate0.0466%
Factor rate1.1867
Flat rate9.33%
Effective APR17.00%
Daily repayment£82.41
Annual repayment£29,667
£2,472 monthly repayment
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What is a bridging loan calculator?
A bridging loan calculator is a free tool that estimates your monthly interest cost and total repayment on a bridging loan, based on the loan amount, term and rate you enter, letting you test different scenarios before you commit to anything. It is built for the numbers side of the decision, so if you want the full picture on what a bridging loan is, when it is used and how the application process works, our bridging loan guide covers that in depth.
Because a bridging loan is short term and secured against property, even a small difference in rate or term can move your total cost by thousands of pounds. Running the numbers properly before you apply is the easiest way to avoid being caught out by a quote that looks cheap on the surface but costs more once the term and structure are factored in.
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How does the bridging loan calculator work?
Use our bridging loan calculator to work out your monthly interest cost and total repayment. Enter how much you want to borrow, the term in months and the interest rate you would like to test, and the calculator shows your annual interest rate, monthly interest, total interest over the term, and total amount repayable. Try a few different rates and terms to see how much difference they make, then start your application when the numbers work for you.
What determines your bridging loan repayments?
Loan amount
The bigger the loan, the higher your monthly interest and total repayment, all else being equal.
Monthly rate
Even a small difference here adds up fast, since it compounds every month you hold the loan rather than annually.
Term
A longer term means more months of interest, so total cost rises even if your monthly figure stays flat. Bridging loans typically run from a few months up to around 18 to 24 months.
Interest structure
Serviced interest is paid monthly, so the balance stays flat and this calculator's total repayable figure applies directly. Rolled up interest is added to the balance each month instead, so the true total will run higher than a straight loan plus interest calculation, since you are paying interest on a growing balance. Retained interest is deducted from your advance upfront based on an estimated term.
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Why are bridging loan rates quoted monthly, not annually?
Bridging loan rates are quoted monthly because a bridging loan is designed to run for a few months up to around 18 to 24 months, not for decades like a mortgage, so pricing it annually would be misleading. A monthly rate of 1%, for example, works out at roughly 12% a year, which looks steep next to a mortgage until you remember it is covering a matter of months rather than a full term of borrowing.
Bridging loan rates at a glance
Loan to value is the single biggest driver of the rate you will be offered, so it is worth testing a rate from the right band in the calculator above.
LTV band | Monthly rate | Annual equivalent |
|---|---|---|
Up to 60% | 0.83% to 0.95% | 10.0% to 11.4% |
60% to 70% | 0.95% to 1.05% | 11.4% to 12.6% |
70% to 75% | 1.05% to 1.25% | 12.6% to 15.0% |
Above 75% | 1.25% to 1.5%+ | 15.0%+ |
These bands reflect typical UK market pricing as of 2026 and are illustrative, not a quote.
Example bridging loan calculations
Here is what the calculator's output looks like across a few common loan sizes, using a serviced interest structure so the balance stays flat.
Loan amount | Term | Monthly rate | Monthly interest | Total interest | Total repayable |
|---|---|---|---|---|---|
£150,000 | 6 months | 0.95% | £1,425 | £8,550 | £158,550 |
£400,000 | 9 months | 1.05% | £4,200 | £37,800 | £437,800 |
£750,000 | 12 months | 0.85% | £6,375 | £76,500 | £826,500 |
These figures show interest only, since the calculator is estimating your loan interest cost, and they do not include arrangement, valuation, legal or exit fees, which sit on top and vary by lender. For a full worked example including every fee, see our bridging loan rates guide. Enter your own figures into the calculator above for a result specific to your circumstances.
Looking for something else? Try our other loan calculators
Apply for a bridging loan today
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