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What would a bridge actually cost you?
Move the sliders to see the monthly interest, the fees and the total cost of finance. No form, no email address, no obligation.
Move the sliders to see the monthly interest, the fees and the total cost of finance. No form, no email address, no obligation.
Security
Charge
Monthly interest
£3,240
Based on 0.81% per month (indicative range 0.72% – 0.89%).
Illustration only. Interest is usually retained or rolled up rather than paid monthly. The total above excludes the lender's legal fees (typically from £2,000) and the valuation fee, both payable by you. Final terms are subject to underwriting and a Redbook valuation.
Bridging is priced monthly, not annually. Here’s what each figure in the illustration means.
A percentage of the loan each month. Most borrowers don't pay it monthly — it's usually retained from the advance or rolled up and settled when you exit.
A one-off fee for putting the facility in place, typically 2% of the loan, usually added to the loan rather than paid up front.
The loan as a percentage of the property value. Lower LTV means less risk for us, which earns you a keener rate.
The arrangement fee plus interest over your term. It's the number worth comparing, and your exit has to clear the loan plus this.
You pay the lender's solicitor as well as your own — typically from £2,000, depending on the deal. Most borrowers aren't told this up front, so we are telling you now.
A RICS (Redbook) valuation of the property, paid by you, priced by the surveyor based on the property. Every figure we quote is subject to it.
Figures are illustrative and rounded, and assume interest is charged on the full loan for the whole term. Your actual terms depend on the property, your exit and full underwriting, and are subject to a Redbook valuation. This is not a formal quote or an offer of finance.
No hidden fees, no surprises at offer stage. Here's exactly what we lend and what it costs.
Loan amount
Residential
£50,000 – £1m
Commercial
£50,000 – £1m
Loan term
Residential
1 – 12 months
Commercial
1 – 12 months
Interest rate from
Residential
0.75% pm
Commercial
1.25% pm
Maximum LTV
Residential
75%
Commercial
65%
Arrangement fee
Residential
From 1%
Commercial
From 1%
Lender's legal fees
Residential
From £2,000, paid by borrower
Commercial
From £2,000, paid by borrower
Exit fee
Residential
0%
Commercial
Case by case
Rates are indicative and subject to underwriting, valuation and your individual circumstances.
Tell us about the deal and we’ll come back with indicative terms in writing. Or talk it through with someone who knows the market first.