The headline loan to value is the gross facility. What actually clears to you is that less the arrangement fee and the rolled interest, and it is the only number that buys anything.

✓

For a purchase, a raise or a short hold

The arithmetic is the same whether the bridge funds a purchase, releases equity or holds a property between two positions. The exit is what changes.

Bridging finance calculator

Open market value

£350k£40m

The current open market value of the property.

Loan to value 75%

25%75%

Up to 75% of open market value. Higher is sometimes available against the right security, so ask if you need it.

Term 12 months

1 month18 months

1 to 18 months. Interest is rolled up and settled at redemption, so nothing is payable monthly.

Work backwards Or set the net advance you need

Type what you need to clear on day one and we will set the loan to value that raises it.

Your facility

Net advance on day one £678,898 What clears to you after the arrangement fee

Balance at redemption£750,000

Rolled interest (0.65% pm, compounding)£56,102

Arrangement fee (2%)£15,000

Total cost of finance £5,925 per month equivalent £71,102

Indicative only. Not an offer, a lending decision or financial advice.

Loan to value is measured against open market value and caps the balance at redemption, not the day one drawdown. Rates start from 0.55% per month. Some lenders offer stepped rates from 0.35% for the first months that rise sharply afterwards, so we compare the blended cost over the term, not the opening rate. These figures cover the arrangement fee and the rolled interest only. They make no allowance for the lender's valuation or legal fees, which are payable in addition. Results depend on a full valuation, the sales evidence and individual lender criteria.

Send these figures over, or get live terms

The figures above are indicative. Live terms means a real quote from the lenders actively writing this business, back within 24 hours.

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What the calculator assumes

A bridge is sized against the open market value of the security, up to 75%, and priced on the balance at redemption rather than the day one drawdown. Interest is rolled at 0.65% a month and compounds to the point you repay, and a 2% arrangement fee comes out of the advance. The figures cover the fee and the interest only: the lender's valuation and legal costs are payable on top. It models unregulated bridging against investment and development property. A bridge secured on a home you or your family live in can be a regulated loan, and not one we arrange.

75%

Max LTV of open market value

0.65%

Rate per month, modelled

Arrangement fee

Indicative, and not an offer. What a lender will actually do depends on the scheme, the borrower and a full valuation.

What to have ready

The estimate is only as good as what goes into it.

Each one is something a lender will ask for anyway. Having it to hand is the difference between a number and an appraisal.

✓The property, and its open market value with evidence

✓What the money is for, and how much of it you need on day one

✓How long you need it, and what happens if that runs over

✓Your exit: sale, refinance to term, or letting, with evidence

✓Your contribution, and where it is coming from

✓Any works planned, with a schedule, if value is being added

Where this leads

The products behind the arithmetic.

Purchase bridge

Completing before the long-term money is in place.

Auction finance

Twenty-eight days, and a deposit already committed.

Below market value purchase

Lending against value rather than the price you paid.

Deals we have funded

What it looked like when the numbers were real.

£1.2m semi-commercial bridge

North London, bridged then refinanced onto a commercial mortgage.

£1.13m capital raise, Leicestershire

Equity unlocked against complex titles on two self funded homes.

£2.8m across two lenders

A Northamptonshire barn conversion and a Salcombe coastal home, refinanced together.

Article

How Bridging Works: Term, Interest and the Exit

Article

Mezzanine Finance: Bridging the Equity Gap on Your Next Development

Article

Below Market Value Bridging Finance: What the Headline LTV Doesn’t Tell You

Specialist property finance for developers who want the numbers to survive underwriting.

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What we arrange

Build it Bridge it Hold it Run it

Company

How we work About Case studies Articles

Tools

Development finance calculator Development exit calculator Bridging finance calculator Refurbishment finance calculator BTL rental cover calculator Commercial mortgage calculator

Fundingwise Limited is not authorised or regulated by the Financial Conduct Authority, and arranges unregulated finance only. That means lending secured against commercial property, or against residential property that is not, and will not be, occupied by the borrower or an immediate family member as a main residence. We do not advise on or arrange regulated mortgage contracts or regulated bridging loans. Because this finance is unregulated, FCA conduct rules and access to the Financial Ombudsman Service do not apply. Fundingwise Limited is registered in England and Wales, company number 13750788.

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Bridging finance calculator

Send these figures over, or get live terms

The estimate is only as good as what goes into it.

The products behind the arithmetic.

What it looked like when the numbers were real.

Worth reading before you take a bridge