Homeowner Loan Calculator
Need to know exactly what a residential bridging loan will cost you or how much you can actually borrow before committing?
Residential Bridging Calculation
Homeowner Loan Quote:
Total Security Value: £400,000.00
Gross Loan: £103,008.00
Gross LTV: 25.75%
Interest Rate: 0.84%
Breakdown
Arrangement Fee (2%): £2,000.00
Broker Fee (1%): £1,000.00
Total Interest: £10,080.00
Net Loan: £100,000.00
Legal Fees: £750.00
Valuation Fees: £380.00
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Experts in Bridging Finance
Try our free bridging loan calculator designed specifically for UK homeowners.
It’s super straightforward and simple – just type a few details about your property value, how much you need to lend, and the loan length you want. In just a few seconds you’ll see a clear breakdown of the total interest and repayment figure in full. It’s only to be taken as a best estimate, but it saves hours of guesswork on your side.
Bridging loans are perfect when a homeowner needs a loan against their home. Maybe you’ve found your dream house but haven’t sold yet, you’re buying at auction, doing a refurb to flip for profit, or just need to unlock a little equity in a hurry. The loan can be sorted in quick time – the money can be with you in days at best, not weeks (or longer).
Common eligibility for a UK homeowner loan
- Minimum ask of £10,000 (maximum £500K)
- Up to 75% loan-to-value (more if a strong exit)
- You own a residential property to use as security
- Clear plan to repay - usually selling or refinancing
- Proof of identification and residency address
- Must be at least 18 years of age to apply
This is perfect for:
- A homeowner who’s moving house and got stuck in a chain
- Wanting to downsize to a more suitable property size
- Snapping up a steal at a property auction
- Doing a light or heavy renovation to sell on or add value
- Need short-term cash lent against on your house
Making finance accessible to UK homeowners
- Give our homeowner loan calculator a quick try - it can be done in not even one minute and gives real numbers instantly. When you’re ready for your proper quote, we’re only a quick call away and we’ll sort everything promptly.
- Fast decision, same-day agreements in principle. Funds with you in as little as 48 hours. Let’s get your next move sorted, quickly.
