Use our calculator to estimate the total cost of a bridging loan for your London property transaction. Adjust the sliders to match your requirement and see the full cost breakdown instantly — including interest, arrangement fees, and exit fees. For an exact quote tailored to your specific property and circumstances, contact Platinum Global Bridging Finance at 64 Knightsbridge, London.
Cost Breakdown
How to Use This Calculator
Adjust the property value to match the purchase price or current value of your London property. Set the LTV to the percentage you need to borrow — most bridging loans are available up to 75% LTV. The monthly interest rate defaults to 0.65%, which is a mid-market rate for London residential property. Prime properties in Mayfair, Knightsbridge, Belgravia, Chelsea, and Hampstead at lower LTV can achieve rates from 0.45% per month. Higher LTV, commercial property, or complex transactions in areas like Hackney, Walthamstow, or Stratford may attract rates of 0.75-0.95% per month.
The arrangement fee is the lender’s setup charge — typically 1-2% of the loan. The exit fee is charged by some lenders when the loan is repaid — we prioritise lenders with no exit fee wherever possible, as this can save thousands on the total cost.
What This Calculator Does Not Include
This calculator estimates interest and lender fees only. Additional costs to budget for include valuation fees (£500-£2,500 depending on property value and type), legal fees (£2,000-£5,000 for standard residential, more for complex cases), and Stamp Duty Land Tax (calculated separately based on the purchase price and buyer circumstances). For a complete cost breakdown tailored to your specific London property transaction, contact us for a no-obligation quote.
London Bridging Loan Cost Examples
A chain break on a £1.1 million Victorian terrace in Crouch End at 70% LTV and 0.60% per month for 6 months costs approximately £43,000 in total facility charges. A refurbishment project in Bermondsey — £650,000 purchase plus £150,000 works at 0.70% per month for 10 months — costs approximately £53,500. A bridge-to-private-bank-mortgage on a £3.2 million house in Wimbledon Village at 0.50% per month for 4 months costs approximately £73,700. Each of these examples assumes rolled-up interest, standard arrangement fees, and no exit fee.
Frequently Asked Questions
What is rolled-up interest?
Interest that accrues monthly and is added to the loan balance rather than paid monthly. You make no payments during the bridge term — the interest is repaid along with the capital when the loan is redeemed. This calculator uses rolled-up (compounded) interest, which is the most common structure for London bridging loans.
Why do rates vary so much?
Bridging loan rates are driven by LTV, property type, location, borrower profile, and exit strategy strength. A 50% LTV bridge on a prime Kensington flat attracts a much lower rate than a 75% LTV bridge on a commercial property in Lewisham — even though both are London properties.
Can I get a more accurate quote?
Yes — contact Platinum Global Bridging Finance for a tailored quote based on your specific property, LTV, and exit strategy. We provide indicative terms within 24 hours with no obligation and no upfront fees.
Does Platinum Global charge a fee?
No broker fee on facilities of £500,000 or above.
Get an Exact London Bridging Loan Quote
This calculator provides estimates — for an exact quote, contact Platinum Global Bridging Finance at our office at 64 Knightsbridge, London. We compare rates and total costs across 100+ lenders to find the most competitive option for your specific London property transaction. Whether you are purchasing in Notting Hill, refinancing in Islington, breaking a chain in Richmond, or converting a property in Peckham, we deliver indicative terms within 24 hours.
About Us
Platinum Global Bridging Finance is a distinguished high-net-worth finance broker. We specialize in providing tailored financial solutions, including Property Bridging Finance, Development Finance, Single Stock Loans, Margin Stock Loan, Crypto Finance, Crypto Backed Loans and Commercial Property Finance tailored to meet the diverse needs of our clientele seeking robust financial lending solutions.
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