Bridging Loan Calculator

Enter the details in the sections below to generate an initial quote of the full amount and the monthly interest you will need to pay back.

Using our bridging loan calculator is simple and straightforward. – just follow these simple steps:

1. Enter the estimated market value of the property
2. Enter any outstanding mortgage. If you do not already own the property, this will be zero
3. Enter the amount of money you would like to borrow, in pounds.
4. Enter the maximum number of months you will need to borrow the money for.
5. Next, choose your interest payment plan. There are three options which we explain below in the definitions. If you choose “part serviced”, enter the number of months you wish to delay your repayment of the interest, after your loan is secured. You can choose to pay the interest monthly starting from 3 months until the end of the loan.
6. Please select an interest rate. Our standard rate is 1%, but you can see how different rates of interest affect repayment amounts.
7. Please select the arrangement fee. Most lenders charge an arrangement fee for setting up the loan, this is typically 2% but can vary from lender to lender.

Our calculator simplifies the process of understanding bridging loans, making it accessible even if you’re not a financial expert. It’s designed to give you a realistic estimate based on current market conditions and your specific loan requirements. For a full quote get in touch with our underwriting team with your enquiry.

Our calculator will produce the percentage of Loan-To-Value (LTV) you will need to borrow. It also calculates the net loan amount which is the total amount you will receive, including any lender’s fee.

You will also see the monthly interest payments. So you know how much you will either be paying monthly or at the end of your term, as well as the gross amount, which is the total to be repaid.

• Enter loan details: Input the amount you wish to borrow, the expected interest rate, and the term of the loan.
• Include property information: Provide details about the property being purchased or renovated.
• Review results: Analyse the breakdown of the charges, which helps you understand your monthly payments and total loan amount over the term.
• Email your quote: Email the results to yourself or your client to have it on file.

Please note:

The figures are only a guide to what you might pay. The exact charge will depend on which loan you choose. Please contact us to talk through your circumstances, no matter how complex they are.

Interest on a bridging loan is usually calculated monthly rather than annually. However, our bridging loan interest calculations depend on a range of variables. We assess every element of a claim when determining interest rates. How complicated the deal is, the borrower’s credit history, and type of property will all have an impact.

The details of the loan also affects the rate. Larger loans spread over longer periods will incur higher interest. A borrower’s deposit also affects the calculation. Across our loans, we currently have a max LTV rate of between 70-75%. Though higher LTVs will result in higher rates. Also, 1^st charge loans will likely be cheaper than 2^nd charge deals.

Our calculator will provide an estimate based on the inputs you provide, including the interest rate and loan duration.

Bridging loans are versatile financial tools, and our calculator can help you in a variety of scenarios:

• Property purchase: When you want to buy a new property before your existing property is sold, including buy-to-let, residential and commercial as well as semi-commercial properties.
• Renovations and refurbishments: If you’re looking to renovate a property quickly to increase its value or prepare it for sale.
• Property auctions: When you win a property at an auction and need immediate funds to complete the purchase.
• Preventing a property chain collapse: If there’s a delay in the sale of your current property, a bridging loan can provide the necessary funds to secure your new home.

Using our bridging loan calculator before applying for a loan can help you understand the financial impact and ensure that you are making a sound decision.

Across all our bridging products, we assess each case on its individual merits. The amounts lent, rates applied, and general specifics of a deal will be catered with the borrowers details in mind.

The applicant has to be min. 21 years old to max. 85 years. We accept individuals, limited companies, self-employed applicants, LLPs, SPVs, trusts, offshore companies and complex structures. But also UK & EEA nationals, clients from any non-sanctioned state, politically exposed persons and diplomats.

We lend £100k to max. £50m from 3 to 18 months on a range of properties situated in England and Wales. Those cover residential and buy-to-let as well as auction properties. Additionally, we accept multiple properties or a portfolio, HMOs, holiday-lets, commercial and semi-commercial units.

You may calculate your bridge loan to aquire property, raise capital and short-term working capital or replace existing property and development finance.

See our full list of bridging loan criteria.

You’ll need to enter an estimated market value for your property into the calculator, but this could change quicker than you’d think. The value of the pound can change, and property prices can increase or decrease based on interest rate changes and other factors. All of this could shift sentiment and prices in mere days. You’ll want to revisit your budgeting if values shoot up.

You may also set out on your property investment journey with a specific time frame in mind. But as you move through the process, that schedule you planned may prove to be not that concrete. You may have planned for a term of 12-months, but end up needing 18 months. This bridging finance calculator will help you understand what that could mean for your bottom line.

Across the property market, costs are rising and may spiral if you’re not careful. Having an idea of what your budget could stretch to from the outset may prevent expensive surprises down the line.

The amount you can borrow depends on the type of loan you’re applying for. Most of our loans start at a minimum loan of £100,000. The maximums vary between £3m and £50m.

This interest only bridging loan calculator factors in our internal details, such as interest rate payments and arrangement fees. Additionally, all our loans have an arrangement fee, starting from 2%.

Please note, the results you will get from this calculator are an estimation. All cases vary and will be highly dependent on individual circumstances. Many of which can’t be factored into this tool. It is one of our strengths that we are able to tailor loans to your exact requirements. Please get in touch to speak with an Market Financial Solutions underwriter and get a bespoke quote.

You may also need to cover external costs like various taxes, contractor bills, recent legislative levies etc..

Market Financial Solutions can provide flexible and fast bridging finance for a range of property investment plans. We can issue funding in as little as 3 days and provide a bespoke service tailored to your needs. We are happy to work with complicated backgrounds. This includes foreign national clients, poor credit histories, complex corporate setups and more.

We also have many resources at our disposal to help support your application. We have access to multiple funding lines, a panel of valuers and solicitors, and other industry professionals. So we’ll be able to adapt on the fly to shifting priorities and a changing market.