Superfast Completion, Often Within Days


Land, With or Without Planning


2nd Charge (consent not always required)


Quick Auction Finance


3rd Charge (consent not always required)


Adverse Credit Considered


2nd Charge Behind Bridging Lender


2nd Charge Behind Equity Release Lender


Up to Age 85


Pure Equity Based Lending


Residential & Commercial


Valuations Not Always Required


Loans from £25,500


Free Legal Option


No monthly payments

Our online bridging loan calculator is designed to make it quick and simple for you to estimate how much you can anticipate paying as a bridging loan customer.


How to Use a Bridging Loan Calculator

Bridging loan rates and associated bridging loan fees vary significantly from one lender to the next, which is why a full market comparison should be conducted to ensure you get the best possible deal.

Use our exclusive bridging loan calculator for an overview of the costs of bridging finance, or call anytime for an obligation-free consultation and a more accurate quote.

How does a bridging loan calculator work?

Bridging loan calculators work by performing a series of calculations based on the information entered by the user. The main numbers needed to perform a bridging finance calculation include the following:

  • How much money do you intend to borrow?
  • Your preferred repayment period
  • Value of the asset or assets used to secure the loan
  • Choice of monthly interest or rolled-up interest
  • Approximate monthly interest rate

However, there are additional fees and commissions payable on a bridging loan that are not typically covered by an automated bridging finance calculation. Each of the following will therefore need to be discussed with your broker before applying:

  • Property valuation fees
  • Administration fees
  • Loan arrangement fees
  • Early repayment fees
  • Exit fees
  • Legal fees

Broker fees and commissions should not apply, as they should be directed at the lender, not the applicant.

Who Should Use a Bridging Loan Calculator?

We highly urge anybody contemplating bridging credit for whatever reason to utilise a bridging loan calculator before applying to verify they can afford to repay the loan easily. Bridging financing has the potential to be a very cost-effective kind of short-term borrowing, but it can become costly if the loan is not fully returned by the agreed-upon date.

A bridging loan calculator should not be considered a 100% accurate or binding indication of actual bridging loan costs. A wide variety of additional factors may influence affordability or otherwise of bridging finance, all of which will be discussed with your broker during your initial consultation.

What is the average interest rate on a bridging loan?

Interest rates vary depending on a number of contributing factors, but they typically range from roughly 0.4% per month to around 1.5% per month.

When Does a Bridging Loan Have to Be Repaid?

Most bridging loan specialists are relatively flexible with regard to repayment period length. However, most limit their bridging products to a maximum of 18 to 24 months before full repayment is required.

Call us today for an obligation-free consultation to discuss your requirements and preferences in more detail.

How it works

Get in touch

Clients approach UK Bridging Loans either directly or via introducers. Basic questions by way of a “fact-finding” process are used by UK Bridging Loans to determine if the lending requirements are a possibility.

Fast approval

An immediate yes or no answer is given, and if suitable, a quotation is formulated and forwarded to the client, usually by email.

Formal offer

A formal offer is produced for any client wishing to proceed and forwarded for signature, again, usually by email.

Representative visit

Each client is visited at the security address for the signature of the remaining loan paperwork, including a CH1 land registry charging order. We will also collect any additional pre-requested documentation.

Dedicated underwriting

The signed documentation was immediately sent to our underwriters. Our model is based on very quick completions, as each deal is funded using all of our own money. On rare occasions, we may request additional information.

Payment of funds

Average completion from initial acceptance to pay-out is usually just a few days. We rarely require valuations or additional legal representation. The land registry charge will be removed once the bridging loan is repaid.

Who can use bridging finance?



The applicant could be too old to obtain a standard high-street mortgage, as most mortgage lenders now prevent borrowing beyond what is deemed “normal retirement age”.


Property conditions

The property may be in a condition where it is not suitable for mortgage financing, and as such, a bridging loan could be used to complete the purchase and any required work prior to refinancing.



The applicant may have had some adverse credit, however minor, which was previously acceptable to lenders but now no longer fits the high street lending criteria.



The applicant may have difficulty proving the income requirements needed for more regular financing. This may be due to poor self-employment records, a break from work, a reduction in self-employed workloads, or overtime.


  • cloud Superfast completion, often within days
  • cloud Land, with or without planning
  • cloud 2nd charge (consent is not always required)
  • cloud Quick auction finance
  • cloud 3rd charge (consent is not always required)
  • cloud Adverse credit is considered
  • cloud 2nd charge behind the bridging lender
  • cloud 2nd charge behind the equity release lender
  • cloud Up to age 85
  • cloud Pure equity-based lending
  • cloud Residential and commercial
  • cloud Valuations are not always required
  • cloud Loans from £25,500
  • cloud A free legal option
  • cloud No monthly payments

Bridging loan uses

Contact Details

pinBusiness Address: Office Block 2, Kibworth Business Park, Kibworth Harcourt, Leicestershire, LE8 0EX

callTelephone:  0116 366 6338

Opening Hours

Mon-Thurs: 9am-8.30pm

Fri: 9am-5pm

Sat: 10am-5pm

Sun: 11am-5pm

Open 7 Days a Week