Bridging Loan Calculator
Calculate bridging loan costs
Get an indicative repayment calculation for your bridging loan quote. To discuss quotes in more detail please call us.
The calculator provides estimated costs for bridging finance. Click button ‘Ready to submit application’ to get an accurate quote →
Online bridging loan repayment calculator
To use the bridging loan calculator, just enter:
- Loan amount required
- Term in months
- Interest rate
Once entered, the calculator will show:
- Total interest payable
- Estimated monthly or full-term repayments
- Overall cost of finance
For accurate figures tailored to your deal, speak to our team for a personalised quote and we can help to explain the repayment terms and figures in more detail.

Instantly estimate your bridging finance costs
Looking to get a quick idea of how much your short-term loan might cost?
Use our simple bridging loan calculator to estimate repayments, interest, and total costs based on your loan amount, term, and property type.
Our aim is to make it easy for applicants to calculate bridging loan figures without having to jump through hoops. Whether you’re planning a property purchase, auction bid, or refinancing a portfolio, our tool gives you a clear starting point.
For an initial assessment of your enquiry, all we need initially is:
Estimated value of property
Type of property and location
Amount required and how long for
How you plan to repay the loan
What affects bridging loan costs?
When you calculate bridging loan costs, it’s not just about the rate. Other factors include:
- Loan-to-value (LTV)
- Type of property (residential, commercial, land)
- Your experience and exit strategy
- Location, bridging loan UK rates vary regionally
- Whether the loan is first or second charge
We’ll talk you through the detail and help you understand the real cost, not just the headline rate.


Bridging loan rates in the UK
There’s no one-size-fits-all when it comes to bridging loan rates UK.
Rates typically vary in their value per month, depending on the loan details and risk level.
We work hard to secure some of the best bridging loan rates in the market, whether you’re looking for funding in London, Manchester, Birmingham, or beyond.
Looking for the lowest bridging loans UK rates? We’ll match you with a lender offering the most competitive deal for your situation, without compromising speed or service.
Bridging loans are commonly used for:
Buying before your current property sells
Auction purchases with short completion deadlines
Buying land to develop
Light or heavy refurbishments
Raising capital against existing property assets
Business cash flow or tax liabilities
Key features of our bridging loans
Loans from £150,000 to £25 million+
Short terms from 1 to 24 months
Residential, commercial, and land considered
First or second charge options available
Interest roll-up, serviced or retained
Transparent fees and no hidden clauses
Want to know more about bridging loans?
Criteria
FAQs
Calculator
Application
Why use Envelop Finance?
- Access to UK bridging loan rates from trusted lenders
- Fast, expert advice on how to structure your loan
- Support through the full application and legal process
- No-nonsense guidance on real costs, not just the rate
We don’t just give you numbers; we give you insight. Our goal is to help you make the right financial decision for your deal, your timeline, and your exit plan.
Ready to go further?
- Once you’ve used the bridging loan calculator, you can:
- Apply online for a tailored quote.
- Speak to an adviser for a detailed breakdown.
- Compare bridging loan UK rates from our panel of lenders.
Get real figures, fast. No fluff, no sales talk, just straight answers from people who know bridging inside out.