UK bridging finance screener for deal sourcers testing below-market-value (BMV) and open-market-value (OMV) property deals. Estimates monthly interest, retained or rolled interest, fees, total finance cost, net advance, and exit repayment. Educational screening only.
Bridging loan cost calculator UK for BMV and OMV checks
UK bridging finance screener for deal sourcers testing below-market-value (BMV) and open-market-value (OMV) property deals. Estimates monthly interest, retained or rolled interest, fees, total finance cost, net advance, and exit repayment. Educational screening only.
Inputs
- Gross bridge facility (GBP): The gross loan facility or bridge amount being modelled.
- Term (months): Expected bridge term in months.
- Monthly interest rate (percent): Monthly bridge interest rate, e.g. 0.85%.
- Arrangement fee (percent): Arrangement fee as a percentage of gross facility.
- Exit fee (percent): Exit fee as a percentage of gross facility.
- Broker fee (GBP): Broker or packager fee.
- Valuation and legal fees (GBP): Valuation, lender legal, borrower legal, and admin fees as one screening total.
- Retain interest (boolean): If true, interest is estimated as retained from the gross advance.
Outputs
- Total interest (GBP)
- Total fees (GBP)
- Total finance cost (GBP)
- Monthly cost equivalent (GBP)
- Estimated net advance (GBP)
- Estimated exit repayment (GBP)
Calculation formula and denominator
Total finance cost = interest for the modelled term + arrangement, exit, broker, valuation and legal costs. Net advance deducts retained interest and fees taken on completion.
How to Use This Calculator
- Enter the gross bridge facility and expected term.
- Enter the quoted monthly interest rate, arrangement fee, exit fee, and fixed fees.
- Choose whether interest is retained from the advance or rolled/serviced for this screening view.
- Read total interest, fees, total finance cost, estimated net advance, and estimated exit repayment.
- Confirm all bridge terms with a broker or lender before relying on the figures.
Worked example
A £100,000 loan at 1% monthly for six months produces £6,000 simple interest before fees; retained, rolled-up and serviced structures change cash timing.
Method and sources
Reviewed: 26 August 2026
- Confirm whether the quoted rate is monthly.
- Identify retained, rolled-up or serviced interest.
- Model the gross facility, completion deductions, net advance and delayed exit.
Sources
Assumptions and limitations
- Offers vary by security, borrower, valuation and exit.
- Compounding, minimum interest and fee bases must match the lender illustration.
