Bridge Loan Cost Calculator
Total cost of short-term bridging finance.
Enter your values
ⓘ Live results
Results
- Total cost of the bridge
- $31,375.00
- Interest
- $21,375.00
- Fees
- $10,000.00
- Cost per month
- $3,486.11
- Effective annual rate
- 16.73%
- Amount to repay at exit
- $281,375.00
Quick answer
Bridge finance is priced monthly, so the headline rate looks small — total cost = interest × months + arrangement fee + exit fee.
Cost = loan × monthly rate × months + fees
How to use the Bridge Loan Cost Calculator
- 1Enter the loan amount and the monthly interest rate quoted.
- 2Enter the expected term — bridges are usually 3–18 months.
- 3Add arrangement, exit and legal fees.
Worked example
Using the values the calculator loads with:
Inputs
- Loan amount250000 $
- Monthly interest rate0.95 %
- Term9 months
- Arrangement fee2 %
- Exit fee1 %
- Legal and valuation fees2500 $
Results
- Total cost of the bridge$31,375.00
- Interest$21,375.00
- Fees$10,000.00
- Cost per month$3,486.11
- Effective annual rate16.73%
- Amount to repay at exit$281,375.00
Frequently asked questions
Why quote bridging monthly?
Terms are short, so lenders price per month. Always convert to an annual figure before comparing with a mortgage — 1% a month is over 12% a year plus fees.
What is the biggest risk?
The exit. If the sale or refinance slips past the term, default rates of 2–3% a month apply, which can quickly overwhelm the profit on a project.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.