Semi-commercial bridging loan calculator
Work out the interest, arrangement fee and total cost of a mixed-use bridge over your term.
- Arrangement fee£0
- Monthly interest£0
- Total interest over term£0
- Total to repay (rolled up)£0
Indicative only. Excludes valuation, legal and exit fees, and is not an offer of finance.
How the semi-commercial bridging calculator works
Semi-commercial bridging interest is quoted per month and charged on the loan for the length of the term. The calculator multiplies your monthly rate by the loan and the number of months to give the total interest, adds the arrangement fee, and shows the total to repay if interest is rolled up to exit. On a mixed-use asset, rates commonly run 8.5 to 11 percent a year, or about 0.70 to 0.95 percent a month, to around 70 to 75 percent of value. Valuation, legal and exit fees are extra and vary by lender.
When a semi-commercial bridge is the right tool
A bridge funds a fast or auction purchase of a shop with a flat above or a mixed-use block, holds an asset through a refurbishment or a lease regear, or buys time to lift the value before a term refinance. It is short term finance with a clear exit, usually a semi-commercial mortgage or a sale, so the cost is justified by speed or by the uplift it unlocks rather than by holding it for years.
From the bridge to the exit
The exit matters as much as the bridge. We are a finance arranger and introducer, not a lender. We arrange the bridge and the semi-commercial mortgage that repays it together, so the exit is planned from day one and the term lender is lined up before the bridge completes. That keeps the holding period short and the total cost down.
Semi-commercial bridging calculator: common questions
How much does a £200k semi-commercial bridge cost?
At a typical 0.85 percent per month, a £200,000 bridge costs £1,700 a month in interest. Over a 12 month term that is £20,400 of interest, plus an arrangement fee of about 2 percent, or £4,000, giving roughly £24,400 of finance cost before valuation, legal and exit fees. This calculator lets you change the rate, term and fee to model your own deal.
How is bridging interest calculated on a mixed-use property?
Semi-commercial bridging interest is quoted as a monthly rate and charged on the loan for the length of the term. Multiply the monthly rate by the loan to get the monthly interest, then by the number of months for the total. On most bridges the interest is rolled up and repaid on exit rather than serviced monthly, so the total to repay is the loan plus the rolled-up interest plus the arrangement fee.
What are the downsides of a semi-commercial bridge?
Bridging is short term and priced higher than a term mortgage, commonly 8.5 to 11 percent a year, or about 0.70 to 0.95 percent a month, so it is expensive to hold for long. It also needs a clear exit, usually a refinance onto a semi-commercial mortgage or a sale. Used for the right job, a fast purchase, an auction, a refurbishment or a lease regear, it is a useful tool; held without an exit it gets costly.
What are the monthly repayments on a semi-commercial bridge?
On a rolled-up bridge there are no monthly repayments. The interest accrues each month and is repaid in one sum on exit, which keeps cashflow clear while you work the asset. The calculator shows the monthly interest figure so you can see how fast the balance is building, alongside the total to repay at the end of the term.
Need a semi-commercial bridge priced properly?
Tell us the asset, the leverage and the exit, and we will come back with a real quote within one working day.