Bridging Loan Calculator
Work out the true cost of a bridging loan — rolled, retained or serviced interest, arrangement and exit fees, net day-one advance and the figure you repay on redemption. No email required, nothing stored.
- Net day-one advance
- £318,500
- Total repaid on redemption
- £359,745
- Loan to value
- 65.0%
- Total interest
- £34,745
- Arrangement fee
- £6,500
- Exit fee
- £0
- Total cost of finance
- £41,245
- Cost per £100k borrowed
- £12,691
Within typical lender limits
Interest plus all fees
Comparable across quotes
Indicative only. Actual terms depend on the asset, your exit, valuation and lender criteria, and exclude valuation and legal costs. This is not a quote or a recommendation.
What the numbers mean
Net day-one advance is the cash that actually reaches your solicitor. With retained interest it is materially lower than the gross loan, which is the single most common surprise on a first bridging deal.
Rolled interest compounds. Over 12 months at 0.85% pcm, rolled interest costs roughly 10.7% of the loan against 10.2% simple — small on a short term, meaningful on 18 months at a higher rate.
Cost per £100k borrowed is the only fair way to compare two quotes with different fee structures. Compare that figure, not the headline monthly rate.