Bridging Loans UK - Goldhill Finance Ltd

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Examples of Estimated Loan Costs

Instead of using the bridging loan calculator, we’ve shown example repayments based on the most common loan amounts our customers request, which are for indicative purposes only and may vary.

£10K loan

A £10k bridging loan can provide fast funds to cover essential home repairs, helping homeowners resolve urgent issues before securing longer-term financing or completing an upcoming property sale.

Purchase Price (Security Property): £60,000

Loan Requested: £10,000

Term: 2 months

Net LTV: 17%

  • Interest Rate: 1.45% per month
  • Monthly Interest: £10,000 × 1.45% = £145
  • Total Interest (2 months): £145 × 2 = £290
  • Lender Arrangement Fee (1%): £10,000 × 1% = £100

Summary:

Loan Amount: £10,000

Arrangement Fee: £100

Total Interest: £290

Total to Repay: £10,000 + £100 + £290 = £10,390

£20K loan

A £20k bridging can provide fast access to capital for small refurbishment or short-term cashflow.

Purchase Price (Security Property): £130,000
Loan Requested: £20,000
Term: 6 months
Net LTV: 15.38%

  • Interest Rate: 1.60% per month
  • Monthly Interest: £20,000 × 1.60% = £320
  • Total Interest (6 months): £320 × 6 = £1,920
  • Lender Arrangement Fee (1%): £20,000 × 1% = £200

Summary:

Loan Amount: £20,000
Arrangement Fee: £200
Total Interest: £1,920
Total to Repay: £20,000 + £200 + £1,920 = £22,120

£25K loan

A £25k bridging loan can provide quick access to funds to meet an unexpected tax liability, helping individuals or businesses avoid penalties while arranging longer-term, more affordable financing.

Purchase Price (Security Property): £110,000

Loan Requested: £25,000

Term: 5 months

Net LTV: 23%

  • Interest Rate: 1.25% per month
  • Monthly Interest: £25,000 × 1.25% = £312.50
  • Total Interest (5 months): £312.50 × 5 = £1,562.50
  • Lender Arrangement Fee (1%): £25,000 × 1% = £250

Summary:

Loan Amount: £25,000

Arrangement Fee: £250

Total Interest: £1,562.50

Total to Repay: £25,000 + £250 + £1,562.50 = £26,812.50

£35K loan

A £35k bridging loan offers short-term funding for urgent purchases or minor development works.

Purchase Price (Security Property): £50,000
Loan Requested: £35,000
Term: 4 months
Net LTV: 70%

  • Interest Rate: 1.80% per month
  • Monthly Interest: £35,000 × 1.80% = £630
  • Total Interest (4 months): £630 × 4 = £2,520
  • Lender Arrangement Fee (1%): £35,000 × 1% = £350

Summary:

Loan Amount: £35,000
Arrangement Fee: £350
Total Interest: £2,520
Total to Repay: £35,000 + £350 + £2,520 = £37,870

£40K loan

A £40k bridging loan can support businesses who need immediate cash flow to purchase stock or equipment, ensuring operations continue smoothly while longer-term funding is processed and released.

Purchase Price (Security Property): £165,000

Loan Requested: £40,000

Term: 7 months

Net LTV: 24%

  • Interest Rate: 1.10% per month
  • Monthly Interest: £40,000 × 1.10% = £440
  • Total Interest (7 months): £440 × 7 = £3,080
  • Lender Arrangement Fee (1%): £40,000 × 1% = £400

Summary:

Loan Amount: £40,000

Arrangement Fee: £400

Total Interest: £3,080

Total to Repay: £40,000 + £400 + £3,080 = £43,480

£50K loan

A £50k bridging loan can quickly cover the gap between selling your current property and completing the purchase of a new one, ensuring your transaction proceeds smoothly.

Purchase Price (Security Property): £90,000
Loan Requested: £50,000
Term: 9 months
Net LTV: 55%

  • Interest Rate: 1.5% per month
  • Monthly Interest: £50,000 × 1.5% = £750
  • Total Interest (9 months): £750 × 9 = £6,750
  • Lender Arrangement Fee (1%): £50,000 × 1% = £500

Summary:

Loan Amount: £50,000

Arrangement Fee: £500

Total Interest: £6,750

Total to Repay: £50,000 + £500 + £6,750 = £57,250

£75K loan

A £75k bridging loan is ideal for light refurbishment projects or quick property purchases where timing is critical.

Purchase Price (Security Property): £110,000
Loan Requested: £75,000
Term: 9 months
Net LTV: 68.2%

  • Interest Rate: 1.40% per month
  • Monthly Interest: £75,000 × 1.40% = £1,050
  • Total Interest (9 months): £1,050 × 9 = £9,450
  • Lender Arrangement Fee (1%): £75,000 × 1% = £750

Summary:

Loan Amount: £75,000
Arrangement Fee: £750
Total Interest: £9,450
Total to Repay: £75,000 + £750 + £9,450 = £85,200

£100K loan

A £100k bridging loan can help a developer secure a promising renovation project, providing capital to complete the purchase while arranging longer-term finance.

Purchase Price (Security Property): £165,000
Loan Requested: £100,000
Term: 6 months
Net LTV: 61%

  • Interest Rate: 1.5% per month
  • Monthly Interest: £100,000 × 1.5% = £1,500
  • Total Interest (6 months): £1,500 × 6 = £9,000
  • Lender Arrangement Fee (1%): £100,000 × 1% = £1,000

Summary:

Loan Amount: £100,000

Arrangement Fee: £1,000

Total Interest: £9,000

Total to Repay: £100,000 + £1,000 + £9,000 = £110,000

£150K loan

A £150k bridging loan can refinance commercial debt, giving borrowers immediate breathing room while they secure a more favourable long-term facility to stabilise cash flow.

Purchase Price (Security Property): £250,000
Loan Requested: £150,000
Term: 12 months
Net LTV: 60%

  • Interest Rate: 1.5% per month
  • Monthly Interest: £150,000 × 1.5% = £2,250
  • Total Interest (12 months): £2,250 × 12 = £27,000
  • Lender Arrangement Fee (1%): £150,000 × 1% = £1,500

Summary:

Loan Amount: £150,000

Arrangement Fee: £1,500

Total Interest: £27,000

Total to Repay: £150,000 + £1,500 + £27,000 = £178,500

£175K loan

A £175k bridging loan can support investors buying at auction, allowing them to meet tight completion deadlines while they organise conventional mortgage finance or refinance after refurbishment.

Purchase Price (Security Property): £290,000
Loan Requested: £175,000
Term: 8 months
Net LTV: 60.3%

  • Interest Rate: 1.10% per month
  • Monthly Interest: £175,000 × 1.10% = £1,925
  • Total Interest (8 months): £1,925 × 8 = £15,400
  • Lender Arrangement Fee (1%): £175,000 × 1% = £1,750

Summary:

Loan Amount: £175,000

Arrangement Fee: £1,750

Total Interest: £15,400

Total to Repay: £175,000 + £1,750 + £15,400 = £192,150

£250K loan

A £250k bridging loan can provide businesses with rapid capital to acquire new premises, ensuring they don’t miss out on a strategic location while waiting for commercial loan approval.

Purchase Price (Security Property): £320,000
Loan Requested: £250,000
Term: 11 months
Net LTV: 78.1%

  • Interest Rate: 1.25% per month
  • Monthly Interest: £250,000 × 1.25% = £3,125
  • Total Interest (11 months): £3,125 × 11 = £34,375
  • Lender Arrangement Fee (1%): £250,000 × 1% = £2,500

Summary:

Loan Amount: £250,000

Arrangement Fee: £2,500

Total Interest: £34,375

Total to Repay: £250,000 + £2,500 + £34,375 = £286,875

£300K loan

A £300k bridging loan can support the acquisition and converting of a mixed-use property while longer-term funding is finalised.

Purchase Price (Security Property): £390,000
Loan Requested: £300,00
Term: 15 months
Net LTV: 76.9%

  • Interest Rate: 1.30% per month
  • Monthly Interest: £300,000 × 1.30% = £3,900
  • Total Interest (15 months): £3,900 × 15 = £58,500
  • Lender Arrangement Fee (1%): £300,000 × 1% = £3,000

Summary:

Loan Amount: £300,000
Arrangement Fee: £3,000
Total Interest: £58,500
Total to Repay: £300,000 + £3,000 + £58,500 = £361,500

£350K loan

A £350k bridging loan enables borrowers to act quickly on larger opportunities, such as property portfolio expansion.

Purchase Price (Security Property): £460,000
Loan Requested: £350,000
Term: 10 months
Net LTV: 76.1%

  • Interest Rate: 1.25% per month
  • Monthly Interest: £350,000 × 1.25% = £4,375
  • Total Interest (10 months): £4,375 × 10 = £43,750
  • Lender Arrangement Fee (1%): £350,000 × 1% = £3,500

Summary:

Loan Amount: £350,000
Arrangement Fee: £3,500
Total Interest: £43,750
Total to Repay: £350,000 + £3,500 + £43,750 = £397,250

£400K loan

A £400k bridging loan can help developers move on large-scale projects, funding site acquisition or early-stage works while securing more substantial development finance for construction.

Purchase Price (Security Property): £500,000
Loan Requested: £400,000
Term: 10 months
Net LTV: 80%

  • Interest Rate: 1.5% per month
  • Monthly Interest: £400,000 × 1.5% = £6,000
  • Total Interest (10 months): £6,000 × 10 = £60,000
  • Lender Arrangement Fee (1%): £400,000 × 1% = £4,000

Summary:

Loan Amount: £400,000

Arrangement Fee: £4,000

Total Interest: £60,000

Total to Repay: £400,000 + £4,000 + £60,000 = £464,000

£500K loan

A £500k bridging loan can help businesses move quickly on larger acquisitions, such as warehouse or factory units.

Purchase Price (Security Property): £650,000
Loan Requested: £500,000
Term: 12 months
Net LTV: 76.9%

  • Interest Rate: 1.35% per month
  • Monthly Interest: £500,000 × 1.35% = £6,750
  • Total Interest (12 months): £6,750 × 12 = £81,000
  • Lender Arrangement Fee (1%): £500,000 × 1% = £5,000

Summary:

Loan Amount: £500,000
Arrangement Fee: £5,000
Total Interest: £81,000
Total to Repay: £500,000 + £5,000 + £81,000 = £586,000