Pro Tool
Know the True Cost. Before You Bridge.
The UK's most transparent bridging loan calculator — monthly interest, arrangement fees, exit costs, and total borrowing cost broken down to the penny.
Unlock Bridging CalculatorTotal Cost Transparency
Bridging lenders quote monthly rates — but the true cost includes arrangement fees, exit fees, valuations, and legals. Propty calculates the total cost of borrowing so you can compare lenders on a like-for-like basis.
Exit Planning
The exit strategy is the most important part of any bridge. Propty models both refinance and sale exits — showing you the timeline, costs, and net position for each route so you can choose with confidence.
UK bridging loan rates typically range from 0.55% to 1.5% per month depending on LTV, loan size, and the lender. On a £250,000 loan at 0.75% monthly, you'd pay £1,875 per month in interest. Our calculator shows the full monthly and total cost including all fees.
Most bridging lenders charge an arrangement fee (typically 1-2% of the loan), a valuation fee (£500-£2,000+), legal fees for both you and the lender, and sometimes an exit fee (1-2%). Our calculator includes all of these in the total cost.
Most bridging loans run from 1 to 18 months, with 12 months being the most common term. Some lenders offer up to 24 months. The longer the term, the more interest you'll pay — our calculator lets you compare different term lengths instantly.
A closed bridge has a fixed repayment date (e.g., when your property sale completes). An open bridge has no fixed date and is repaid when you can. Closed bridges are cheaper because they're lower risk for the lender. Our calculator works for both types.
Yes — bridging loans are the most common way to fund auction purchases since you must complete within 28 days. Most bridging lenders can complete in 7-14 days. Use our calculator to model the full cost before you bid.