Bridging Loan Calculator

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Bridging Loan Calculator

Work out your bridging costs in minutes. Get an instant estimate of your loan amount, fees and day-one cash, then talk to GPS Financial for tailored advice.

Need tailored figures?

Our calculator gives you a quick guide. For a personalised illustration, call us on 029 2267 7707 or request a callback and we’ll fine-tune the numbers for your project.

Some of the bridging lenders we work with

Why choose GPS for bridging finance?

Same-day decisions in principle available
Complex projects welcome: HMOs, conversions, auction purchases
Ethical, transparent advice from a UK-wide team

FAQs

What is a bridging loan and how does it work?

A bridging loan is short-term finance designed to “bridge” a gap until longer-term funding is in place. It’s often used for auctions, refurbishments, or when a quick turnaround is needed.

Retained vs serviced interest: what’s the difference?

Retained interest: the lender deducts the interest upfront, so no monthly payments.
Serviced interest: you pay the interest each month, keeping the loan balance lower.

What fees should I expect on a bridging loan?

Typically: lender fee, broker fee, legal and valuation fees, and sometimes an exit fee. The calculator helps you see how these might add up.

How much deposit do I need for a bridging loan?

Bridging loans usually go up to 75–85% loan-to-value (LTV). That means you’ll need around 15–25% deposit, plus costs. In some cases, 100% funding can be arranged with additional security or the right circumstances.

Bridging Loan Calculator