Bridging Loan Calculator
& Compare 50+ UK Lenders
Free bridging loan calculator — instant indicative quote across more than 50 specialist lenders. Compare bridging loan rates, fees, net advances and lending criteria for your property transaction — from £26,000 to £10m+, up to 80% LTV (85% day one on refurbishments), rates from 0.61% per month. No credit check. No upfront fee.
Free Bridging Loan Calculator — Get an Instant Quote
Enter your property value, required loan and term to receive an indicative bridging loan quote. A specialist will then compare suitable lenders and structures for your case — no credit check, no obligation.
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Current Bridging Loan Rates and Terms
July 2026Market indications only. Actual terms depend on individual case circumstances. These are not guaranteed offers.
| Feature | Typical Market Position |
|---|---|
| Interest rates | From 0.61% per month; pricing depends on LTV, property type, charge type, credit profile and loan size |
| Loan size | £26,000 to £10 million+ |
| Standard maximum LTV | Usually up to 80% on residential first charge; lower for commercial, land and short terms |
| Terms | Commonly 3–18 months |
| Arrangement fee | Minimum 2% of the gross loan |
| Exit fee | Nil to 1%+ depending on lender and product |
| Minimum interest | Some lenders require 1–6 months' interest regardless of early redemption |
| Valuation | AVM, desktop or full RICS valuation depending on the case and lender |
| Interest method | Retained (deducted upfront), rolled up or serviced (paid monthly) |
| Security | First or second legal charge over UK property |
| Completion | Often 5–15 working days on straightforward cases; complex cases take longer |
How to Compare Bridging Loans Properly
Most borrowers focus on the monthly rate. In practice, rate is one of several factors that determine total cost and suitability. When comparing options, consider all of the following:
- Net advance, not merely gross facility
- Total cost for the realistic term
- Monthly interest rate
- Arrangement and exit fees
- Minimum interest period
- Daily versus monthly interest calculation
- Retained versus serviced interest
- Valuation and legal fees
- LTV calculation method
- Estimated completion time
- Lending criteria and flexibility
- Exit strategy flexibility
- Default and extension provisions
Worked Bridging Loan Comparison
On smaller loans, fixed costs — valuation and legal fees — can represent a significant proportion of the total borrowing cost. The example below shows three options on a £100,000 loan where the lender with the highest rate is the most cost-effective overall, and completes fastest.
| Feature | Option A | Option B | Option C |
|---|---|---|---|
| Monthly rate | 0.65% ← lowest | 0.74% | 0.78% ↑ highest |
| Valuation method | Full RICS — £850 | Desktop — £450 | AVM — £0 |
| Legal fees | Own solicitors — £1,800 | Dual representation — £1,000 | Dual representation — £750 |
| Exit fee | None | None | None |
| Upfront fees | £2,650 | £1,450 | £750 |
| Estimated completion | 20+ working days | 10–15 working days | 5–10 working days |
| Net day-one advance | £98,000 | £98,000 | £98,000 |
| 9-month interest (serviced) | £5,850.00 | £6,660.00 | £7,020.00 |
| Total all-in cost (9 months) * | £10,500.00 | £10,110.00 | £9,770.00 |
* Total all-in cost: arrangement fee + valuation + legal fees + 9-month serviced interest. All figures are illustrative. Actual costs vary by lender, property and case.
Illustration only. Figures use simplified monthly periods. Actual valuation and legal costs vary by lender, property and case. Not a quotation or recommendation.
What Affects the Bridging Loan You Can Obtain?
Bridging lenders assess each case individually. These factors influence which lenders will consider a case, the rate, and the maximum LTV available.
Lower LTV generally attracts lower rates. Standard first-charge residential bridging is available up to 80%. Higher LTVs require specialist lenders or additional security.
Lenders distinguish between standard residential, HMOs, mixed use, commercial, land and uninhabitable properties. Condition and saleability affect both LTV and rate.
Second-charge bridging sits behind an existing mortgage. Most lenders require the combined LTV to remain within 70% for second-charge cases.
Sale and refinance are the two main exits. Lenders assess the credibility of the exit. A vague or high-risk exit restricts lender appetite or increases pricing.
Many bridging lenders are more flexible on adverse credit than high-street lenders. CCJs or missed payments may affect rate or LTV but don't automatically disqualify a borrower.
Experienced property investors typically access better rates and higher LTVs. First-time buyers may face more restrictive criteria.
Tight deadlines — particularly for auction purchases — affect which lenders and valuation methods are viable.
AVMs, desktop valuations and full RICS valuations each suit different case types. No-valuation and desktop products are faster but carry LTV limits.
Light, medium and heavy refurbishment attracts different lenders and structures. Works cost and post-works uplift both influence the available facility.
UK residents, expats and foreign nationals are treated differently. Company borrowers and SPVs also face different criteria from individual borrowers.
Regulated bridging applies where the security is the borrower's main residence, and carries additional consumer protections.
Very small loans (under £100,000) and large loans (above £5 million) may suit a smaller lender panel. Rates can vary at the extremes of a lender's range.
Types of Bridging Loans We Compare
First and second charge bridging on houses, flats and maisonettes.
Bridging secured against offices, retail, industrial and other commercial property.
Fast bridging to meet 28-day auction completion deadlines.
Light and heavy refurbishment finance with staged drawdowns.
Selected lenders lend against AVMs with no physical inspection required.
Faster and lower-cost than a full RICS valuation on suitable cases.
Bridging finance sitting behind an existing first charge.
Where the security is the borrower's main residence — referred to an authorised firm.
Bridging against land with and without planning permission.
Refinancing from a development facility once construction is complete.
Specialist bridging for borrowers with CCJs, defaults or prior insolvency.
Bridging finance for purchases through limited companies and SPVs.
Why Compare Bridging Loans Through Aura Capital?
- Access to 50+ specialist lenders. We assess your case across a panel of specialist bridging lenders, including those not accessible directly to borrowers.
- Direct lender relationships. We work directly with lenders' credit and underwriting teams, allowing us to package cases accurately and resolve queries quickly.
- Lender-side underwriting experience. Our team has credit and underwriting experience from within specialist lending, which informs how we structure cases before they reach a lender.
- Assessment of net proceeds and total cost. We compare by net advance, total interest, fees and total cost — not just the headline rate.
- First-charge, second-charge and specialist structures. We handle standard residential bridging through to commercial, land, refurbishment, development exit and foreign national cases.
- Support from enquiry through completion. We manage the lender relationship, valuation coordination and legal liaison throughout the transaction.
- No upfront broker fee. We charge no fee until a case completes. Our procuration fee is paid by the lender and disclosed in full before you proceed.
How the Comparison Process Works
Enter the property details, required loan, term and exit strategy using the form above. No credit check is required at this stage.
Aura Capital reviews the structure, security type, LTV, credit profile and exit strategy to identify which lenders and products are genuinely suitable.
Suitable lenders are compared by total cost, net advance, fees, LTV, valuation requirements, speed and lending criteria — not solely by advertised rate.
You receive a clear comparison of the most suitable options and decide whether to proceed. No commitment is required until you are ready.
Frequently Asked Questions
How do I compare bridging loans?
Compare the net day-one advance, total interest for your realistic term, arrangement fee, exit fee, minimum interest period, and interest calculation method. Also consider the lender's valuation requirements, completion speed, and extension provisions.
The lowest advertised monthly rate is not always the cheapest option. A loan with a lower rate but higher fees or a minimum interest period can cost more in practice.
What is the best bridging loan rate currently available?
Bridging loan rates currently start from around 0.55% per month for strong cases at lower LTVs on standard residential security. The applicable rate depends on the LTV, property type, charge type, credit profile and loan size. We compare options across 50+ specialist lenders to identify the most suitable terms based on total cost rather than headline rate alone.
Which fees should I compare?
The main fees are: arrangement fee (minimum 2%), exit fee (nil to 1%+), valuation fee, lender legal fee, broker fee, and administration fee. Some lenders also charge a minimum interest period, which effectively adds cost if you redeem early. Ask for the total cost figure before committing to a product.
Can I compare bridging loans without a credit check?
Yes. No credit search is required to receive an initial indicative estimate from Aura Capital. A formal credit search may be required at formal application stage with the chosen lender, and this will be explained before it occurs.
Does getting an indicative quote affect my credit score?
No. Obtaining an initial estimate from Aura Capital does not involve a credit search and will not affect your credit score.
How much can I borrow?
Aura Capital can arrange bridging loans from £26,000 to £10 million and above. The maximum loan depends on the property value, LTV limits for the product type, and lender appetite for the case. Standard first-charge residential bridging is typically available up to 80% LTV.
Can I obtain a 100% bridging loan?
A 100% bridging loan against a single security is not available from mainstream bridging lenders. 100% of the purchase price may sometimes be achievable where additional security is offered across more than one property. This is assessed on a case-by-case basis.
How quickly can a bridging loan complete?
Straightforward bridging loans on standard residential property can complete in 5–15 working days. No-valuation and desktop valuation products are generally the fastest. Complex cases and higher LTV transactions typically take longer. Delays in valuations or legal processes can extend the timeline.
Should I choose the lowest interest rate?
Not necessarily. The total cost depends on the rate, fees, minimum interest period, interest method and net advance — not the rate alone. The worked comparison above shows that the 0.65% option costs more over nine months than the 0.75% option due to a higher arrangement fee, exit fee and lower net advance.
What is the difference between gross and net LTV?
Gross LTV is the loan as a percentage of the property value before deductions. Net LTV is calculated after deducting retained interest, arrangement fees and other costs. Two loans with identical gross LTV can deliver very different net advances depending on their fee and interest structure.
Can I compare second-charge bridging loans?
Yes. We compare second-charge bridging for borrowers who wish to raise finance without disturbing an existing first mortgage. Second-charge bridging is typically available up to 70% combined loan-to-value (CLTV) across both charges combined.
Can I compare bridging loans with bad credit?
Yes. Many specialist bridging lenders consider borrowers with CCJs, defaults, missed payments or prior insolvency events. Adverse credit may affect the rate offered or the maximum LTV, but it does not automatically prevent a bridging loan from being arranged.
Are bridging loans regulated by the FCA?
Some bridging loans are regulated by the FCA — specifically where the security property is the borrower's or a close family member's main residence. The majority of bridging transactions are unregulated, covering investment, commercial and development cases. Aura Capital does not provide regulated mortgage advice. Regulated enquiries are referred to an appropriately authorised firm.
How does Aura Capital get paid?
Aura Capital charges no upfront broker fee. We are paid a procuration fee by the lender on completion of a successful case. This fee is disclosed in full before you commit to proceeding.
What information is needed to obtain accurate indicative terms?
We need: the property address and type, current or purchase price, required loan amount, loan purpose, required term, exit strategy, charge type, and borrower type. Details of any existing secured debt, refurbishment works or credit issues help us identify the most suitable lenders.
Compare Bridging Loans for Your Property
Tell us about the property, required loan and exit strategy. We will assess suitable options across our lender panel and explain the rates, fees, net advance and likely completion process — with no obligation and no upfront fee.
Regulatory status: Aura Capital acts as a specialist bridging finance broker. We do not provide regulated mortgage advice. Regulated enquiries and advice is handled by an FCA authorised firm, lender or individual on a non-advisory referral basis.
The initial estimate produced by the comparison tool on this page is an illustration only and does not constitute an offer of credit, a guarantee of terms, or regulated financial advice.
The rates table and worked comparison contain market indications last updated July 2026. Market conditions and lender criteria change frequently. Obtain formal terms from the relevant lender before making borrowing decisions.
© 2026 Aura Capital.