Bridging Loan Comparison Calculator

Fill in the form below to get access to the best bridging loan rates in the UK, starting at 0.55%. Being a whole-of-market broker means we have access to lenders and companies that offer lower bridging loan rates than your typical lending sources.

At UK Property Finance, we are proud to offer the UK’s best bridging loan comparison service. It compares rates for a Martin Lewis bridging loan. Our service caters to private borrowers and commercial customers. Our goal is to help clients from all backgrounds. They can get low-cost bridging loans for all purposes from our many approved lenders.

Bridging loan finance offers a quick, flexible financing option, especially beneficial for buyers who need funds urgently to bridge financial gaps. Unlike traditional loans, these short-term solutions cater to unique situations—such as purchasing a new property before the sale of an existing one completes. Martin Lewis often highlights the importance of understanding all terms and seeking professional advice, ensuring that bridging finance is the right fit for each borrower’s financial situation.

How to use our calculator

The bridging loan calculator we provide can help you determine how much you can borrow and what your monthly repayments would be.

Here’s how to use the calculator:

Input the property value: Enter the value of the property you are selling.
Input the loan amount: Enter the amount of money you need to borrow.
Input the loan term: Enter the length of time you need the loan for (in months).
Input the interest rate: Enter the interest rate you have been offered (or use the calculator’s default rate).
Click on the ‘Calculate‘ button.

An example of what our calculator will then show you:

The maximum amount you can borrow: This is based on the loan-to-value (LTV) ratio, which is the percentage of the property value that the lender is willing to lend you.
The monthly interest payment: This is the amount of interest you will pay each month on the loan.
The total cost of the loan: This is the total amount of interest you will pay over the life of the loan.

Dedicated bridging loan market comparison services

We work with many specialist companies and independent lenders, unlike regular comparison sites. Most of them are not on your UK high street. They offer services only through brokers. This setup lets us secure the best deals on bridging loans. Our experienced team negotiates on our clients’ behalf.

Affordable bridging finance for all purposes

Bridging finance is a flexible, affordable solution for temporary cash needs. People often use it to buy auction properties. They also use it to raise property value with renovations. They use it to cover unexpected business expenses.

You can see real case scenarios below of how a bridging loan can be used and why they prove beneficial for all kinds of purposes:

Bridging finance is one of the quickest solutions when looking for large sums. It gets approved in a few days. Repayment periods range from 6 to 18 months. The interest starts at 0.55% or lower.

We design our bridging loans for everyone and with all solutions in mind, including dealing with poor credit cases.

See our bridging loan rates breakdown below:

Interest Rate	Monthly Interest
0.55%	£550
0.70%	£700
0.75%	£750
0.85%	£850
0.95%	£950
1.00%	£1,000
1.05%	£1,050
1.10%	£1,100
1.20%	£1,200
1.25%	£1,250
1.50%	£1,500

For what purposes can you use a bridging loan?

This financing method often bridges the gap between buying a new residential home and selling the old one. Yet, it’s not just for real estate deals. Let’s explore its other common uses.

If Martin Lewis does not provide bridging finance, how can I get it?

Looking for bridging loans? No worries! There are UK lenders who specialise in providing bridging finance, and we are the brokers to help you.

Meaning, to get the best rates for your bridging finance, you must find a reputable bridging loan company. They should offer detailed market comparisons.

We provide comparison calculators to see what type of product works best for you and to provide more competitive lending rates than others on the market.

Look no further than UK Property Finance to compare bridging loan rates!

With extensive experience spanning over 20 years in the property finance industry. UK Property Finance is committed to meeting all your bridging finance needs.

What sets UK Property Finance apart from the rest?

Enjoy low interest rates, starting at 0.55%.
Borrow any amount between £20,000 and a staggering £1 billion.
Enjoy unparalleled access to the entire market, guaranteeing you the best options available.
Secure the most favourable terms for your bridging loan.

Can you borrow 100% bridging finance?

In short, yes, you can. However:

To secure your loan, you will need extra assets, such as additional properties.
You’ll need a broker to help you find a willing lender.

With all of these elements, it is still not assured that you will be able to obtain 100% bridging loan funding; it is dependent on the specific circumstances of your case.

I.e., what type of property are you purchasing; is it residential or commercial? Where is it located? What is your exit strategy? How reliable is your exit strategy, and what are the risks? What amount do you need to borrow? What types of assets may you put up as security, and realistically, how easy will they sell? And more.

To get a definitive response, we recommend speaking with one of our bridging finance advisors. They can assess your overall situation and advise you on whether you will be able to secure 100% bridging finance.

The fast solution to buying a house

For those needing immediate financing, bridging loans can be an effective way to secure a new property. This is particularly helpful for purchases at auction or for buyers needing to move quickly in a competitive market. Using a bridging loan to buy a house, buyers can proceed with their purchase without waiting for their existing property sale to finalise, offering peace of mind and agility in closing critical deals.

Navigating your way out and settling your bridging loan

When it comes to bridging loans, having a clear exit strategy is a must.

Choosing to refinance as your exit strategy shows the importance of ensuring a viable refinance option. Consider this: you use a bridging loan to fund a residential self-build. After completing the project, you plan to remortgage to settle the loan. You must verify that a remortgage will be available after. Otherwise, your repayment plan could hit a snag.

Get in touch with us today and make use of our online appointments or for a call back. We are open till late 7 days a week, so if you get in touch no matter the time, we are probably open now!

Consider the bridging loan mortgage option

A bridging loan mortgage acts as a temporary mortgage solution, enabling borrowers to purchase property while they wait for a long-term mortgage or the sale of another asset. Ideal for investors and homebuyers with pending property sales, these loans are structured for speed and flexibility but come with higher interest rates. Bridging loan mortgages are best suited for those expecting quick access to funds through property sale or refinancing, to pay back the loan quickly.

Compare bridging loan interest rates

We do our best to offer better interest rates than the banks on the high street. No matter which bank you bank with, we can compete on interest rates using our partners for finance loans and most often get a better deal.

Since most bridging loan lenders do not deal directly with the public, you will typically need to go via a loan broker in order to obtain a bridge loan. The majority of high street banks handle bridge loans through distinct companies that are only available through brokers.

Our Loan Comparison Services

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