Bridging Loan Interest Calculator
Estimate the gross loan, total interest, fees and total cost of a bridging loan, with retained or serviced interest.
Your details
Results
Gross loan
£220,822
Total interest
£14,905
Total fees
£5,916
Total repayment
£220,822
Effective cost
£20,822
Generic maths only — not specific to any lender's product. Always confirm exact terms, fees and interest calculation method with the lender.
How this works
With retained interest, the lender deducts the full term's interest from the loan up front, so the gross loan has to be larger than the net amount you receive. With serviced interest, you pay interest monthly and the loan itself stays at the net amount.
Frequently asked questions
- What's the difference between retained and serviced interest?
- Retained interest is deducted upfront from the loan so you don't make monthly interest payments; serviced interest is paid monthly, keeping the loan balance lower.
- Does this include exit fees?
- No — enter any exit fee as part of 'other fees' if known, since terms vary by lender.
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