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020 4525 4876Most calculators show you interest. This one shows the gross loan, the fees rolled into it and what you actually repay at the end — for all three ways of paying interest, side by side.
You can type shorthand — 750k or 1.2m both work.
This is the cash released to you. Fees are added on top to work out the gross loan.
No monthly payments. Interest builds up on the balance and is repaid when you sell or refinance.
Same property, same amount, same term. Choose one to update the calculator above.
| Option | Gross loan | Interest | Monthly payment | Repaid at end | Total cost |
|---|---|---|---|---|---|
| Rolled up | £310,881 | £33,235 | None | £344,116 | £46,016 |
| Retained | £347,625 | £35,458 | None | £347,625 | £49,525 |
| Monthly | £310,881 | £31,710 | £2,642 | £310,881 | £44,491 |
Hover or drag across the chart to read the balance at any point in the term.
We’ll send this exact breakdown so you can compare it later. No call unless you ask.
Bridging loans are short-term, secured on property and priced as a monthly rate. The difference between these three options is when you pay that interest — and it changes the total by thousands.
Interest is added to the balance each month and compounds. Nothing to pay until you sell or refinance, but the final figure is the highest of the three.
The lender holds back the whole term’s interest from the loan at the start. You borrow more to cover it, so the gross loan and the LTV are higher.
You pay the interest each month and repay the loan itself at the end. The cheapest of the three overall, because nothing compounds.
The net loan is the cash released to you. The gross loan is that amount plus the arrangement fee, the broker fee and, on a retained deal, the interest held back for the term. Lenders set their maximum loan to value against the gross figure, which is why borrowing "75% of the value" usually releases noticeably less than 75% in cash.
Bridging is priced in loan-to-value tiers. As the gross loan rises past each threshold, the monthly rate steps up. Because fees and rolled-up interest are part of the gross loan, a small increase in the cash you need can push the whole deal into a higher tier — the calculator works that loop through for you.
No. They are an illustration using typical market assumptions so you can sanity-check a deal. Real terms depend on the property, your experience, your credit profile and the exit. A specialist confirms the numbers against live lender criteria before anything is committed.
Usually a sale of the property, or a refinance onto a term mortgage such as a buy-to-let or commercial loan. Lenders underwrite the exit as carefully as the property itself, so evidence matters: an agent's appraisal for a sale, or a decision in principle for a refinance.
It depends on the lender, the valuation and the solicitors on both sides. The single biggest factor is how well the case is packaged at the start — a file with the documents already assembled moves considerably faster than one put together as it goes, which is the part we control.
No. Amram Finance is a specialist property finance broker. We package your case, place it with the right lender from our panel and manage it through to completion. Our fee is disclosed upfront, before you commit to anything.
Every cost in a bridge, with a worked example you can check against this calculator.
Read the guideWhat each option does to your gross loan and LTV, and how to choose.
Read the guideHow we package and place bridging cases, and what lenders want to see.
View the serviceA bridging specialist checks your numbers against live lender criteria and comes back with what is actually achievable. Free, and no obligation.
This calculator is for illustration only. It is not an offer of finance, a quotation or a recommendation, and it does not take your circumstances into account. Amram Finance Ltd is a credit broker, not a lender. We do not lend our own money and we do not approve or issue loan offers.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Some forms of bridging finance and buy-to-let lending are not regulated by the Financial Conduct Authority.