0800 316 2224

Use our bridging loan calculator (UK) if you are looking for a property finance.

We can arrange Fast Bridging Finance Deals

Fast and reliable service, Experts with extensive knowledge and longstanding lender relationships.

Clever Lending focuses on solutions and positive outcomes for all our customers.

Rates from 0.42% per month
1 %

Bridge Loan Calculator


Total gross loan 12 months (with interest {{ Math.round(interest_rate * 10000) / 100 }}%)

£{{ compound_interest(total_amount, interest_rate, 12) | currency }}

Enter amount to calculate

Loan repaid month 3
£{{ compound_interest(total_amount, interest_rate, 3) | currency }}
Loan repaid month 6
£{{ compound_interest(total_amount, interest_rate, 6) | currency }}
Loan repaid month 9
£{{ compound_interest(total_amount, interest_rate, 9) | currency }}
Loan repaid month 12
£{{ compound_interest(total_amount, interest_rate, 12) | currency }}

Borrowing amounts, fees, interest and total to repay is intended to be a guide based on the amount entered. A bridge finance specialist will fully assess your requirements and provide an illustration.

Bridging loan amount £200,000 (including £4,035 lender and £1,190 broker fees), 0 monthly payments with a monthly interest rate of 0.68% rolled up over 12 months giving a total amount payable of £224,251 at an APRC of 10.2%. The contract will be secured against the property.



For property or land you own or want to purchase


rates from
0.47% per month
  • Securing a property before completing the sale of your existing property
  • Broken sale chains - bridging the gap between purchases with buy before selling
  • Auction purchases - quick completion timescales
  • Buying property below market value
  • Renovation - a traditional mortgage may not be available until the works are complete
  • Below market value - enabling you to possibly take advantage of the open market value of the property
  • Un-mortgageable properties, for example if there’s no kitchen or bathroom
  • Discuss other options with us


For property you want to buy, renovate and sell 

Refurbishment & Buy to Sell

rates from
0.47% per month
  • Up to 85% Loan to value for the refurbishments
  • Up to 100% of refurbishment costs
  • Lenders that work on the guaranteed value after works are completed
  • Light, Medium and Heavy Refurbishment projects (from internal works to conversions and extensions)
  • Staged releases
  • Buy to rent projects
  • Change of use - if changing the purpose of a building


For business purchase or growth


rates from
0.78% per month
  • Commercial property purchase
  • Investment for growth
  • Tax purposes
  • Purchasing business shares
  • Buy to let, including HMOs and Holiday lets

Why use a specialist?

Gone are the days of a ‘computer says no’ process when it comes to lending.

Why a Bridging Loan?

Bridging loans are used to ‘bridge’ the gap until the main finance is available, this could be a traditional mortgage, or the property is sold, following say a renovation.

For example, you might be selling your main home and buying a new one, but then the buyer of your property withdraws, and you do not want to lose your dream home. 

A bridging loan could be the solution, as you can raise the funds across both properties, to secure the purchase of your new home.

Once your current property is sold you repay some or all of the bridging finance from the proceeds of sale and then by using a traditional mortgage on the new property to repay any remaining balance if required.  This is often referred to as ‘saving a chain break’.  You are then in the home you wanted to be, with a traditional mortgage if you needed it.

Other uses are auction purchases, where traditionally property investors are looking for below market value properties or properties with a potential to sell for a profit once a refurbishment has been completed, often called ‘Buy to Sell mortgages’.  Some may even be looking for a property to purchase to keep as a  residential home.

A bridge can also help with ‘un-mortgageable’ properties (Structural issues, refurbishment, reconfiguration or change of use).  These are unlikely to qualify for a traditional mortgage, a bridge allows you to buy the property, renovate it to a standard acceptable for a traditional mortgage, you may plan to live in it, rent it out or sell it.

Read more about here bridging loans

Lender’s Criteria

1 – 24 Month term (longer on buy to let)

£100,000 to no maximum loan amounts

Rates from 0.33%

100% LTV available with additional security (i.e. 2 properties)

1st, 2nd and 3rd Charges

No exit fee options, no product tie ins

Previous missed payments, defaults and CCJs taken

Speak to one of our experts on 0800 316 2224 or click the button to complete the enquiry form

Skip to content