KIS Bridging Loans
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Bridging Loan Calculator
Bridging Loan Amount Required
The total ‘net’ loan amount that you are looking to borrow. This is the amount you are expecting to receive before interest or any other costs have been added.
Term Required
The maximum number of months that you require the loan for.
Properties used as security
Please enter the number of properties that you would like to secure the loan against.
Property 1: Value
The estimated market value of the property being used as security.
Property 1: Mortgage Balance
The total balance of any mortgages on the property, that are not being cleared by, or will still be outstanding upon receipt of, the bridging loan.
Property 2: Value
Property 2: Mortgage Balance
Property 3: Value
Property 3: Mortgage Balance
Property 4: Value
Property 4: Mortgage Balance
Property 5: Value
Property 5: Mortgage Balance
Property 6: Value
Property 6: Mortgage Balance
Interest Roll Up or Pay Monthly
‘Rolled Up Interest’ means the interest is charged at the end of each month and then added to the loan balance. It is then paid when the loan is redeemed.

‘Pay Monthly’ option means that the interest is charged and paid at the end of each month. It is not added to the loan facility.
Early settlement amount
If loan cleared at the end of
Enter the month that you could be repaying your loan. The calculator will provide an estimated settlement amount for clearing the loan facility at the end of the month selected.
Net bridging loan amount: £0
Loan Term: 0 Months
Interest Rate: 0%
Lender facility fee (0%):  £0
Gross loan amount:  £0
Average monthly interest charged: £0
Total interest if loan runs full term:  £0
Gross loan + roll up interest:  £0
Loan To Value (LTV):  ?
Other Costs
Valuation fees:  £0
Lender's admin fee:  £0
Estimated lender's legal costs: £0
Telegraphic transfer fee:  £0
Redemption admin fee:  £0
Exit fee:  £0
Packager + Broker fees:  £0
Loan Settlement
Amount At Full Term:  £0
Early Settlement, End of Month 0:  £0
WE DO NOT Charge Broker Fees
WE DO NOT Charge Packager Fees

For Property Purchases
Stamp Duty Calculator

This calculator is only intended to provide a detailed guide to interest charges, together with all the other costs associated with taking out a bridging loan.

The figures generated should not be relied upon as an accurate quote.

Please contact us anytime, where we would be delighted to provide a detailed accurate quote and loan approval.
Jerry Matthews
Jerry Matthews
Commercial Manager
& Head of Bridging

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We are reviewed by our customers using
Rating: 4.93 / 5 based on 105 reviews

Bridging Loan Calculator

Our bridging loan calculator is based on our Platinum plans, as the majority of our business is written on these plans.

How do I get approved for a bridging loan?

Loan criteria for our Platinum plans:


  • Loans from £50,000 to £10 million
  • Terms from 1 month to 18 months
  • Minimum loan term 30 days


  • Aged 21 or over
  • Resident in the UK
  • Credit History – No credit score required, CCJs, defaults and arrears are considered and often accepted provided exit is not dependent on refinancing
  • No income proof required – except when the loan is to be repaid through refinancing
  • Available to individuals, partnerships and limited companies

Property used as security

  • Houses, flats, maisonettes, bungalows and HMOs
  • Commercial property can be used if it is being converted to 1 or more residential properties
  • Multiple properties can be used as security
  • Security property must be located in mainland England, Wales or Scotland
  • Can be in a very poor state of repair (completely gutted, have no kitchen or bathrooms, etc)
  • New builds need to be watertight (Roof on and windows in)


  • Valuations are required, and these can either be a desktop valuation or full valuation.
  • Desktop valuations are typically no more than £100 each and can be done in hours.
  • Full valuations cost more, an indication of their costs is provided by our calculator.

Interest charges

With the Platinum plans interest is charged monthly and usually rolled up. This means that the gross loan balance increases each month as interest is added.

Bridging Loan Interest Rates
Loan To ValueMonthly Rate
Up to 50%0.49%
50% to 65%0.59%
65% to 70%0.69%
70% to 75%0.75%

Loan To Values are based on the open market value, not the lower 90 day or distressed valuation calculations

Lenders Arrangement Fees

(also referred to as Lenders Facility Fees)

For the vast majority of plans, lenders charge a 2% arrangement or facility fee, which is calculated on the net or gross loan amount. For most of our facilities this fee is calculated on the net loan amount, not the gross. We are also able to arrange reduced fees on the following basis:

Lenders Arrangement Fees
Loan AmountRate
Up to £125,0002%
£125,000 to £150,0001.75%
£150,000 to £200,0001.5%
£200,000 to £250,0001.25%
£250,000 to £350,0001%
£350,000 to £500,0000.75%
£500,000 to £750,0000.5%
£750,000 and aboveNil

For the above plans the minimum loan term is 30 days (1 month), therefore if you repay the loan within the first 30 days you will still be charged the full 30 days interest. After the 30 day period has ended you will only be charged interest up to the actual day that you clear your loan.

Administration fee

If the loan is taken out then the lender will charge an administration fee, which is typically £295. This is not an application fee, it is only charged if you draw down the loan.

Valuation fees

These fees vary on the value of the property, or properties, being used as security. Their location and the type of report required is also a factor. Our calculator provides an estimate to the cost of a full valuation.

Desk top valuations cost less and are quicker, so we always use these wherever possible.

Valuation fees are required to instruct valuations and are paid directly to the surveyor or lender.

Redemption fee

Lenders charge a redemption fee when the loan is repaid. This is a legal cost for removing their charge from the security property.

Solicitors fees – the lender uses a solicitor to deal with the loan contracts, and also placing their charge on the security property. The costs involved for this is charged to the applicant. An indication of the amount charged for lenders legal fees is provided by our calculator.

Broker Fees and Exit Fees

We do not charge broker fees and there are no exit fees on any of these loan plans.

No obligation finance quotes

Our calculators are intended to provide an approximate guide to all the costs associated with taking out a short-term finance facility. However, there are many lenders, all of whom offer different interest rates, calculate interest in different ways and have different fee scales. As independent brokers we will always provide the finance facility that offers the best possible deal.

Please contact us anytime to find the best possible finance deals. We are always happy to provide full finance quotes that fully detail the interest rates charged plus all other costs.

How interest is calculated and added to the loan

Bridging lenders have different ways of calculating, charging and rebating interest. For the vast majority of facilities that we provide the following applies:

Interest is rolled up

  • Interest is charged monthly on the outstanding account balance.
  • Interest payments are not required, therefore the monthly interest charge is added to the account balance each month.
  • Each month the outstanding balance will increase due to the compounded interest.

Clearing the loan early

  • Loans are usually set up with 12 month terms, and there are no early redemption charges.
  • The minimum loan term is just 1 month (30 days), meaning if you clear the loan within the first month, interest will be charged for the full month.
  • After the first month, interest will only be charged up to the day that the loan is cleared. For example, if the loan is repaid after 3 months 10 days, total interest charged will be 3 months plus 10/30 (or 1/3) of a month.

Other popular loan plans

0.29% per month short term loan plan

  • 0.29% per month up to 60% LTV
  • Loan terms up to 24 months
  • Facility fee is 2%
  • Interest can be paid monthly or set aside
  • Loans £1 Million and above

Please note this is not a typical bridging facility in that underwriting is more stringent and it takes longer to put in place. It is a good option if it fits your circumstances, enough time is available for it to be put it in place, and if the loan is likely to run over 12 months (the benefits of the reduced rate is outweighed by the increased facility fee if redeemed within 12 months).

Market leading rates available on bridging loans above £2 million

Specialist facilities available for loans ranging from £2 million to £1 billion.

Please contact us for further information.

How to use our bridging loan calculator

  • Step 1: To use our bridging loan calculator simply enter the loan amount that you require.
  • Step 2: Enter the loan term required. This is typically 12 months, even if you don’t think that you will need the loan for that long. Interest is only calculated up to the day that the loan is cleared, and there are no early redemption penalties.

    There is an option to enter the number of months that you think you will have the loan for. The calculator will then calculate the estimated redemption costs for the loan if it runs full term, and also for if it is cleared early and at the end of the month selected.
  • Step 3: Please select how many properties that you would like to use to secure the loan. The lower the loan to value then the lower the interest rate. You can use properties being purchased with the loan, and or existing properties that you, or anyone else included in the loan agreement, own.
  • Step 4: Please enter the estimated market value of each property and also the amount of any mortgages that will still be secured on the property after the bridging loan has been drawn.
  • Step 5: Please select if you would like roll up or pay monthly interest. Over 90% Platinum plan bridging loan facilities are provided with roll up interest. You can opt to pay monthly if you wish, but for this option we will need to have income confirmation to prove affordability.
  • Step 6: Finally, you can enter the month that you think you may clear the loan. The calculator will provide an estimated redemption cost if the loan is cleared at the end of the month selected.


By clicking on the 'calculate' button the bridging loan calculator will work out the following:

Gross loan amount – This is the total of the loan amount required and the lender's facility fee.

Monthly interest charged – This is based on the loan amount required, the lender's facility fee added to the loan and the monthly rate of interest. The figure provided is calculated using the monthly amount of interest charged on the gross bridging loan amount.

Total interest if loan runs full term – This is simply the monthly interest charged per month, multiplied by the number of months, that has been entered into the term required box. The figure provided in this box indicates the total amount of interest charged if the loan runs its full term and is not redeemed beforehand.

Gross loan amount with roll up interest – If interest roll up is required (the vast majority of bridging facilities are set up with interest being rolled up) the figure in this box provides an indication of the settlement amount required to repay the facility if it runs the whole of the chosen term. The figure is calculated by adding the total interest figure to the gross loan amount.

Redemption figure at full term

Early Settlement – The estimated settlement figure if the loan is cleared early, at the end of the selected month.

Other bridging costs

We use all the best lenders and no two lenders are the same. The cost figures provided are meant as an indication only, as they do vary between lenders. To obtain full accurate figures please give us a call and we will be happy to find you the best possible deal.

Other costs are an indication as no two lenders are the same.

Valuation fees - will vary depending on type of property, location and value. They also vary from one firm of surveyors to another, and we have to use a surveyor who is acceptable to the chosen lender. Valuation fees are required when it is time to instruct the surveyor, so are required before loan completion.

Lender's administration fees - do vary between lenders but are typically £295 and paid on completion, so are deducted from the loan advance.

Lender's legal fees - need to be paid, and are also deducted from the loan advance.

Telegraphic transfer fee – this is also deducted from the loan advance.

Redemption administration fee - is charged by the lender when the loan is redeemed. This fee is usually added to the settlement figure, so is charged and paid right at the end. This is usually in the region of £120.

Exit fees – these are also charged upon the redemption of the loan and added to the settlement figure. These fees can be high, typically 1% of the gross loan amount. Very few of our lenders charge exit fees, hence it is very unusual for us to arrange a facility that contains one. Therefore our calculator default has been set at zero.

Monthly interest charges - are calculated based on the information provided for the loan rate and also the fee amount.

When comparing us to other companies please note that we do not charge application, commitment or broker fees. The only upfront fees that we ever require are for valuations.

Bridging loan calculator explained

Our bridging finance calculator is similar to a mortgage calculator, but instead of calculating monthly repayment figures our calculator provides information about the monthly interest charged and the lenders facility fee. It is important to note that the monthly interest figure calculated is just the interest amount charged, and does not include any capital repayment. Bridging loan interest charges can be set up so that they are either paid each month or added to the loan and paid when the loan is redeemed.

Last updated: 07 January 2019

Interest rates for all types of lending are very much influenced by the price that the lender has to pay for their funds, and also the availability of funds. When lenders are low on funds they will tend to increase their rates, like most supply and demand situations.

It is important to remember that the monthly interest rate charge on any bridging loan is just one of the costs to consider. When comparing facilities attention should also be paid to arrangement fees, broker fees, administration costs, legal costs and fees, valuation fees, exit fees, redemption penalties and discounted rates that are only for a short period of time.


KIS Bridging Loans is rated 4.93 stars by based on 105 merchant reviews