Bridging Loan Calculator

Enter the loan amount you need and the current market value of the property being used as security. The calculator will automatically compute the Loan to Value ratio so you can see where you stand relative to typical lender maximums.

Use the sliders to adjust the monthly interest rate, loan term, and arrangement fee to reflect the terms you have been quoted or to explore different scenarios. All figures update in real time as you adjust the inputs.

The total repayable figure represents the gross amount you would need to repay at the end of the loan term, assuming all interest is retained and the arrangement fee is added to the loan balance.

Bridging loans are priced differently from traditional mortgages. The key costs are the monthly interest rate (typically 0.4% to 1.5% per month) and the arrangement fee (usually 1% to 2% of the gross loan). Some lenders also charge an exit fee, though this is becoming less common in a competitive market.

For Chelsea properties, bridging rates tend to be competitive due to the strong underlying values and high demand for property in the area. Prime London locations like Chelsea typically attract lower rates from lenders who recognise the lower risk profile.

When comparing bridging loan offers, always look at the total cost of finance rather than just the headline rate. A lower monthly rate with a higher arrangement fee may end up costing more than a slightly higher rate with a lower fee, depending on the loan term.

Speed is often the primary reason for choosing a bridging loan. Whether you are purchasing at auction, need to move quickly on a time-sensitive opportunity, or are bridging the gap between selling one property and purchasing another, bridging finance can provide the speed you need.

We regularly complete bridging loans for Chelsea properties within 5 to 10 working days. For straightforward cases with clean title and a clear exit strategy, completion in as little as 3 working days is possible with certain lenders on our panel.