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Avantigo Capital Ltd · Bridging, commercial and limited-company buy-to-let financeNot FCA-regulated · unregulated lending only07543 685 195

Calculators · Bridging loan

Bridging loan calculator

Estimate what a bridging loan would cost: the gross loan, interest, fees and loan to value. Change any figure and the results update straight away.

Your deal

Estimated cost

Gross loan (amount secured)
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Loan to value (gross)
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Total interest
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Monthly interest payment
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Arrangement fee
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Exit fee
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Valuation and legal
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Amount to repay at the end
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Total cost of borrowing–
This is above the 75% gross loan to value most lenders allow on a purchase. A lower loan or additional security may be needed.

Illustration only, not an offer of finance. Assumes the loan runs for the full term; most lenders charge only for the months used once a short minimum has passed.

How the figures are worked out

  • Retained interest. The lender holds back the interest for the whole term from the loan on day one, so there is nothing to pay monthly. The gross loan is larger than the cash you receive.
  • Rolled-up interest. Interest is added to the balance each month and compounds, then everything is repaid at the end.
  • Serviced interest. You pay the interest monthly, as with an interest-only mortgage, and repay the loan at the end.
  • Arrangement fee is usually added to the loan. Exit fees are less common and often negotiable.

What changes the rate you're offered

Loan to value, the exit, the type of property, the scale of any works and your experience matter far more than small differences in headline rates. Our guide to bridging loan rates in 2026 explains what moves pricing, and the bridging finance page sets out typical terms.

Next step

If the numbers look workable, send us the outline of the deal and we'll come back with realistic terms from the lenders that suit it.

Discuss a deal

Illustrative figures only. Avantigo Capital Ltd is not authorised or regulated by the Financial Conduct Authority and arranges only unregulated bridging loans, commercial mortgages and buy-to-let mortgages for limited companies and other corporate borrowers. Bridging secured on a home you or a family member live in is regulated and is referred, with your consent, to an FCA-authorised firm. Your property may be repossessed if you do not keep up repayments on a loan secured on it.

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