Bridging loan calculator
Tell us about the property and the cash you need in your pocket. We work out the facility, compare our lender panel and show your indicative quotes in about two minutes.
- From 0.61%a month on qualifying cases
- Up to 90% LTVon light refurbishment
- 50+ lendersspecialist bridging panel
- About 2 minutesno credit search
Start your quote
Answer the questions on the left and your indicative figures will build up here as you go.
No credit search to get a quoteA lender may run one later, and we'll tell you first.
No upfront broker feeEvery cost is set out in writing before you commit.
One specialist throughoutFrom first call to funds at your solicitor.
Current bridging rates and terms.
Market indications across our lender panel. Your rate depends on loan to value, property type, charge type, credit profile and loan size.
Updated November 2026. Not guaranteed offers.
- Interest rates
- From 0.61% a month
- Loan size
- £26,000 to £10,000,000+
- Maximum LTV
- 80% residential, 90% light refurbishment
- Second charge
- Up to 70% combined LTV
- Terms
- 3 to 18 months
- Arrangement fee
- From 2% of the gross loan
- Exit fee
- Nil to 1%
- Valuation
- Automated, desktop or full RICS
- Interest
- Retained, rolled up or paid monthly
- Completion
- Often 5 to 15 working days
What affects the loan you can get.
Every case is assessed on its merits. These six things decide which lenders are interested, the rate and how much you can borrow.
Loan to value
Lower LTV usually means a lower rate. Standard residential goes to 80%, and light refurbishment to 90%.
Property type
Houses, HMOs, mixed use, commercial and land are each priced differently. Condition and saleability matter.
First or second charge
A second charge sits behind your existing mortgage, with combined borrowing usually capped at 70%.
Your exit
Sale or refinance are the main routes. A clear, evidenced exit gets better terms.
Credit history
CCJs or missed payments can affect the rate or LTV, but rarely rule a case out.
Your deadline
Tight timescales, especially auctions, decide which lenders and valuation routes are realistic.
From quote to funds, in three steps.
- Today
Your indicative quotes
The calculator compares our panel and sends your enquiry to a specialist.
- Usually within a day
We check it with lenders
We discuss your case with suitable lenders and confirm terms and every cost in writing.
- Often one to three weeks
Funds at your solicitor
We progress the valuation and legal work through to completion.
Bridging loans we compare.
Auction bridging
Funding around your 28-day completion deadline.
Auction finance →Refurbishment bridging
Light and heavy works, day one or drawdown.
Refurbishment finance →Investment purchase
Buying residential and mixed investment property.
Investment purchase →Second charge bridging
Raise funds behind an existing mortgage.
Second charge →Development exit
Refinance a completed scheme while you sell or let.
Development exit →Commercial bridging
Offices, retail, industrial and mixed use.
Commercial bridging →High value residential
Larger loans against prime property.
High value →No valuation bridging
Lending against automated valuations for speed.
No valuation →Adverse credit
CCJs, defaults or past insolvency considered.
Bad credit bridging →Also: land, HMO, SPV, equitable charge, desktop valuation and regulated bridging.
How accurate are the quotes?
They are indicative, based on typical criteria across our lender panel. Lenders are not named and no quote is a live product. A specialist confirms real terms once they have reviewed your case.
Will it affect my credit score?
No. The calculator does not run a credit search. A lender may run one later if you proceed, and we will tell you before that happens.
Why does it ask what I need in my pocket?
Fees and retained interest come off the loan at completion. We work backwards from the cash you need to the gross facility that delivers it, so the figures reflect what actually reaches your solicitor.
How do I compare bridging loans?
Look at the net advance, total interest for your realistic term, fees and the valuation route, as well as the headline rate. The lowest rate is not always the cheapest overall.
How much can I borrow?
From £26,000 to £10,000,000 and above. Standard residential goes up to 80% of value, light refurbishment up to 90%, and second charge up to 70% combined.
How does Aura Capital get paid?
There is no upfront broker fee. We are paid by the lender when your loan completes, disclosed in full before you commit.
Prefer to talk it through?
Call, WhatsApp or email. You'll speak to someone who arranges bridging and development finance every day.
Not sure about the figures?
Call us and we'll run the numbers with you, and tell you how lenders are likely to view the deal.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Bridging finance is short-term borrowing and needs a clear exit. All figures are indicative and subject to lender underwriting, valuation and legal due diligence. Aura Capital is a trading name of Chammosair Limited, registered in England & Wales, company no. 15786496. Aura Capital is a broker, not a lender, and is not authorised or regulated by the Financial Conduct Authority.