Bridging — Calculator & Costs
Work out exactly what a UK bridging loan costs — monthly interest, arrangement fee, exit fee, valuation and legal costs — then see the same numbers in a fully worked £510,000 example.
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Last updated Reviewed by our Clifton International finance team.
In short
UK bridging interest starts from 0.53% per month and is typically 0.65%–0.95% per month, plus a 1%–2% arrangement fee, valuation and legal costs, and an exit fee of 0%–1% where one applies. On a £510,000 loan over nine months at 0.79% per month, the all-in cost of credit is roughly £50,000.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
At a glance
On a £510,000 loan at 0.79% per month over nine months, the interest treatment changes both your day-one funds and the redemption figure.
| Basis | Interest cost | Net funds day one | Redemption at exit | Monthly payment |
|---|---|---|---|---|
| Rolled up | £37,300 | £499,800 | £547,300 | None |
| Retained | £36,270 | £463,530 | £510,000 | None |
| Serviced | £36,270 | £499,800 | £510,000 | £4,029 |
Swipe the table sideways to see all columns.
Illustrative, 2% arrangement fee deducted at drawdown, no exit fee. Serviced interest requires evidenced income to cover the monthly payment.
Bridging loan calculator
Add every property you can offer as security, including any existing mortgage borrowing on each, so the loan-to-value is a true figure across the whole package. The indicative rate moves with the LTV band, and the breakdown shows arrangement fee, interest, exit fee and third-party costs.
Enter your security property values, any existing mortgage borrowing and the loan amount to see the true loan-to-value and the full cost of credit.
No options above 90% loan-to-value unless additional property can be provided as security. Adding another property increases the combined security value and lowers the true LTV, which can move you into a cheaper rate band.
Indicative only. Rates start from 0.53% per month and are set case by case on asset, loan-to-value, borrower profile and exit strength — the figure you are offered may be higher. Existing mortgage balances are treated as prior-ranking debt when calculating the true loan-to-value. Valuation and legal costs are estimates; actual quotes depend on the property and lender panel. This is not a quotation, credit offer or personal recommendation.
Why clients choose us
Arrangement fee, interest, exit fee, valuation and legals — no cost appears for the first time at completion.
0.53% per month is our lowest available rate on the strongest cases, not a rate we imply everyone receives.
We quote the all-in figure over your actual term so facilities can be compared properly.
See what actually lands in your solicitor's account after deductions.
Know the exact amount your exit needs to repay before you commit.
Most lenders rebate unused rolled interest after a one to three-month minimum period.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Worked fee example
A landlord bought a £850,000 London terraced house needing works, bridged at 60% loan-to-value on rolled interest, and refinanced onto a buy-to-let mortgage in month nine. Every cost is shown below.
Worked UK bridging loan cost example — £510,000 over 9 months
Illustration only, based on a completed case structure and current lender pricing. Rates start from 0.53% per month; the rate used here (0.79%) reflects a typical unregulated first-charge case at 60% loan-to-value. Your own pricing depends on the asset, loan-to-value, borrower profile and exit. Not a quotation or credit offer.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Leeds · Bridging
£1.3m · 65% LTV · 12-month regulated bridge
£1.3m regulated bridge to help a Leeds family secure a significantly larger home before selling their existing property — funded in under 3 weeks.
Malaga · Bridging
£230k · c.25% LTV · 36 days to completion
A regulated bridging loan raised against an unencumbered Edinburgh home to secure a £230k apartment in Malaga, Spain — completed in 36 days.
Oxfordshire · Bridging
£1.2m · 60% LTV · chain-break bridge
£1.2m chain-break bridge that saved a rural Oxfordshire purchase after the buyers' onward sale collapsed at the eleventh hour.
Frequently asked
Interest starts from 0.53% per month and typically runs 0.65%–0.95% per month on unregulated first-charge cases, plus a lender arrangement fee of 1%–2% of the loan, valuation and legal costs, and an exit fee of 0%–1% where one applies. On a £510,000 loan over nine months at 0.79% per month with a 2% arrangement fee, the all-in cost of credit is around £50,000.
Multiply the loan by the monthly rate, then by the number of months the facility runs. Rolled-up interest compounds each month, so it is slightly higher than the simple calculation: £500,000 at 0.75% per month for 12 months is £45,000 simple, or about £46,900 compounded.
Expect a lender arrangement fee (1%–2% of the gross loan, usually deducted at drawdown), monthly interest, valuation fee, your own and the lender's legal costs, and sometimes an exit or redemption administration fee. Broker fees, where charged, are disclosed in writing before you commit.
It is the lowest monthly rate currently available on our lender panel, achieved on the strongest cases — low loan-to-value, prime residential security, clean credit and a fully evidenced exit. It is a starting point, not the rate every borrower gets. Your quoted rate is set case by case.
Serviced interest is usually cheapest overall because nothing compounds, but it requires monthly payments from income. Retained interest holds the full term's interest back from the advance, reducing your day-one funds. Rolled interest costs the most because it compounds, but nothing is payable until redemption.
Rarely. The arrangement fee is normally deducted from the advance, and on a retained-interest facility the term's interest is held back too. Net day-one funds on a £510,000 loan with a 2% arrangement fee and rolled interest are £499,800.
Most bridging lenders allow redemption at any time after a minimum interest period of one to three months, with unused rolled interest rebated. Some charge an exit fee of 1% of the loan; many charge none, which is why comparing total cost rather than headline rate matters.
As a guide, allow around £600–£3,500 for the valuation and £1,250–£6,000 for combined borrower and lender legal costs, both scaling with property value, title complexity and the number of securities.
No — monthly bridging rates are several times a term mortgage rate. Bridging is priced for speed and flexibility over a short window. What matters is the total cost over the months you actually need it versus the value of completing on time.
UK bridging finance by scenario
Each page covers the structure, criteria, costs and typical timescales for one bridging use case — with real completed transactions.
Regulated and unregulated lender panels compared — and why bridging is placed through a specialist, not shopped direct.
View pageFacilities structured for the 28-day auction completion window, with pre-auction agreements in principle.
View pageComplete on your onward purchase when a buyer withdraws or the chain collapses.
View pageRefinance a completed scheme onto cheaper short-term debt while units sell.
View pageWhich regime applies to your case, and what changes in criteria, cost and process.
View pageRaise capital behind an existing mortgage without disturbing the first charge.
View pageUK-secured short-term finance for British expatriates, foreign nationals and offshore SPVs.
View pagePurchase-plus-works and heavy refurbishment finance with staged drawdowns.
View pageRelated UK services
Residential, buy-to-let and high-value mortgages for UK and international clients.
Learn moreFast short-term funding for auctions, chain-breaks, refurbishments and exits.
Learn moreSenior debt and stretched-senior facilities for residential and mixed-use schemes.
Learn moreInvestment and owner-occupier funding for offices, hospitality, retail and logistics.
Learn moreImproved terms, capital raising and exit refinance for maturing UK facilities.
Learn moreReady to explore your options?
Send us the property, the loan you need and your exit. A specialist will return an itemised indicative quote — rate, fees and redemption figure — within one working day.