Bridging loan calculator.

A bridging loan calculator estimates what a bridging loan is likely to cost and how much could be borrowed against a property, based on the loan amount, term, and interest structure entered. It gives an indicative borrowing amount, an estimated repayment figure, and the fees that typically apply. It is a planning tool, not a formal offer. Actual terms are confirmed once a case is submitted and assessed on the asset and the exit.

Bridging loan interest is charged monthly and can be structured as serviced or retained. With serviced interest, the borrower makes monthly interest payments throughout the loan term. With retained interest, the full interest cost for the term is deducted from the loan advance at drawdown, so no monthly payments are due, which reduces monthly cash flow pressure. Which structure suits a deal depends on the borrower’s cash flow position and the exit strategy

Loan sizes across Lakeshield’s bridging products range from £100,000 to £20,000,000, with two products sized differently for specific scenarios: 7-Day Residential Bridging is available up to £1,000,000, and Flow Residential Bridging, the single-rate product, is available up to £750,000. Loan-to-value is capped at up to 75% on most residential products, up to 70% on commercial bridging, and up to 65% on Flow. The amount available on a specific case also depends on the property, the borrower profile, and a clear exit strategy, such as sale or refinance, which is required for every deal.

The calculator’s fee estimate is built primarily around the arrangement fee, charged from 1% and agreed upfront before the loan completes. An exit fee may also apply to some loans, charged on a case-by-case basis rather than as a standard percentage, so it is not included as a fixed figure in the estimate. Confirmed fees for a specific case are set out in the term sheet once terms are agreed.

Four inputs drive the bridging finance calculator result: the loan amount requested, the loan-to-value against the property, the term length (from 3 to 24 months, or up to 12 months on Flow), and the interest rate, which starts from 0.85% per month on residential products (from 0.99% on commercial, from 0.89% on refurbishment, and a single rate of 0.75% per month on Flow, applied to all eligible cases). Choosing serviced or retained interest also changes the result, since retained interest is deducted upfront rather than paid monthly.

Three things shape how Lakeshield underwrites the deals behind these figures.

Reliable speed: our 7-Day Residential Bridging product is built around a repeatable, process-backed completion timeline from legal undertaking to completion, against an industry average of 53 days (BridgingTrends Q1 2026).

Terms that hold: heads of terms are credit-backed, and the rate and LTV issued are what a case is underwritten against, unless the deal materially changes during legals or valuation.

Pragmatic underwriting: decisions are made on the asset and the exit rather than a policy checklist, which is why non-standard properties, adverse credit, and offshore borrowers are considered across Lakeshield’s products.