Work out what a bridge really costs: monthly interest, fees and the total to repay, with rolled-up and serviced interest side by side. Free, instant, no email address required.
Illustrative only, based on the figures you enter. Excludes legal and valuation costs. Actual terms depend on the property, LTV, exit and lender; this is not an offer of finance.
Get the real number: one working dayThe number that matters is total cost of funds: everything the bridge costs you above repaying what you borrowed. A cheap headline rate with a fat exit fee can cost more than an honest all-in rate, which is why we compare lenders on the total, not the headline. The exit matters more than the rate: a bridge you repay in month 6 of a 12-month term only pays interest to month 6 with most lenders.
Bridging in Scotland has its own wrinkles: not every lender completes here, and closing dates reward funding that is genuinely ready. How we arrange bridging, and how Scottish lending works.
Three things: monthly interest (typically 0.55% to 1.1% a month), an arrangement fee (usually around 2% of the loan), and sometimes an exit fee. Legal and valuation costs sit on top. The calculator above shows how they combine.
Serviced means you pay the interest monthly, like a mortgage. Rolled-up means no monthly payments; the interest compounds and is repaid with the loan at the end, which protects cash flow during works but costs slightly more in total.
No. It is an honest illustration using typical market figures. Real pricing depends on the property, the loan-to-value, the exit and the lender. Send us the numbers and within one working day we will tell you what your deal would actually cost.
Bridging is won on speed and the exit. Send the property, the amount and the plan; one working day to fundable-or-not and a real cost.