Bridging Loans UK - Goldhill Finance Ltd

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Examples of Estimated Loan Costs

Below repayment examples are for indicative cost purposes only, your actual rate could be higher or lower.

£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

£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

£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

£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

£400K loan

A £500k 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