Bridging loan calculator.
Work out the gross facility, rolled-up interest, total cost and net advance. You enter the rate. No sign-up, no email.
Those inputs do not compute cleanly (the rate, term and fees exceed the facility). Adjust them, or ask us for a real figure.
Indicative only, not a quote. This is a simplified model using the rate you entered, flat interest, and fees taken as a percentage of the gross deducted up front. Real bridging products are not standardised: the interest basis, fee timing and retained-interest mechanics vary by lender, so a live illustration can differ. Actual terms depend on the asset, LTV, exit and experience. Ask us for a real figure before you rely on these numbers.
How to use this calculator.
Pick the finance type at the top, enter the property value and the loan you need, then the rate and term. The tool defaults to net: tell it what you need in your hand and it works out the gross facility, the rolled-up interest and the total cost. Switch to gross if you already know the total facility and want the net advance.
Net loan vs gross loan: the difference that catches people.
The gross loan is the whole facility, including the rolled-up interest and fees. The net advance is what actually lands in your account after the interest, arrangement fee and costs are taken out. People routinely confuse the two and under-fund the deal. With rolled-up interest the interest accrues on the gross, and the gross depends on the interest, so you cannot simply multiply the net loan by the rate. This calculator solves that circular sum for you and shows both figures.
What this does not tell you.
This uses the rate you entered. Your actual rate depends on the asset, the LTV, the exit and your experience, and a headline rate on a website is a teaser, not a quote. It also cannot see a title problem, a weak exit or a valuation that comes in light. Use it to size a deal and understand the shape of the cost, not as an offer.
Get real terms.
Tell us the deal and we will give you a real indication for it, usually within a day. We arrange bridging, auction, refurbishment and development finance for limited companies and SPVs. Talk to us →
Bridging finance → · Auction finance → · Refurbishment bridging → · Limited company buy-to-let →
Calculator questions, answered.
What is the net advance?
The net advance is the money that actually reaches you after the arrangement fee, any rolled-up interest and costs are taken out of the gross facility. It is what you can spend on the deal, and it is usually a good deal less than the headline loan figure.
What is rolled-up interest?
Interest that is added to the loan and settled at the end, rather than paid monthly. It lets a property that is not yet producing income carry itself. Because the interest is added to the gross and the gross depends on the interest, the two have to be solved together, which is what this calculator does.
What is retained interest?
The lender holds the interest back from the advance up front instead of you paying it monthly. Commercially it lands close to rolled-up, which is how this tool approximates it, but the exact mechanics and cash effect vary by lender, so treat the retained figure as indicative and confirm it on a live illustration.
How accurate is this calculator?
It is a simplified model, useful for sizing a deal and understanding the shape of the cost. It uses the rate you enter, flat interest, and fees as a percentage of the gross deducted up front. Real bridging products are not standardised, so a lender's illustration can differ. Use it to get in the right ballpark, then ask us for a real figure.
What fees are included?
The arrangement fee and exit fee (each as a percentage you set), the interest, and any valuation and legal costs you enter. It does not include your own solicitor's wider costs, broker fees unless you add them, or lender-specific charges. The assumptions line under the result states exactly what has been applied.
Can I repay a bridge early?
Usually yes, though some lenders charge a minimum term or an early-repayment fee. This calculator assumes interest for the full term you enter, so shorten the term to model an earlier exit, and check the minimum-term position with us before you commit.
How long can I borrow for?
Bridging typically runs from a few months up to 24 months. Set the term to match how long you need the money before your exit (sale or refinance), and build in contingency, because works and refinances usually take longer than planned.
Tell us the deal, we will tell you where it prices.
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- Emailinfo@huntergrey.co.uk
- Office139-143 Union St, Oldham, Greater Manchester, OL1 1TE
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