Bridge vs commercial mortgage calculator
See what the speed and flexibility of bridging costs compared with a commercial mortgage over the same months, and set it against the discount or uplift the bridge lets you capture.
Illustrative only. Rates and fees in this calculator are inputs you can change, not quoted or market rates. Real terms depend on the lender, the property, the loan to value and the exit, and are subject to valuation and underwriting.
Is a bridging loan more expensive than a commercial mortgage?
Per month, yes. A bridge is priced as a monthly rate and a commercial mortgage as an annual rate that is far lower when compared like for like. The question is whether the deal is available at all on mortgage timescales. If bridging secures a property a mortgage could not, the extra cost buys the deal.
When does bridging make financial sense?
When the property is cheaper to buy quickly, at auction or below market value, when it is not yet mortgageable because of its condition or vacancy, or when the uplift from works or letting is worth more than the bridging premium. The calculator shows that premium so you can weigh it against the gain.
Can I refinance a bridge onto a commercial mortgage?
Yes, that is one of the most common exits. Once the building is let, refurbished or otherwise meets mortgage criteria, a commercial or investment mortgage repays the bridge. Lenders want to see that refinance is realistic before they lend the bridge.
Other commercial bridging calculators
Commercial bridging loan calculator
Gross loan, interest and total repayable for retained, rolled or serviced interest.
Open CalculatorBridging LTV and maximum loan calculator
How much you can borrow against a commercial property, and the cash you need to put in.
Open CalculatorTotal cost of a bridge calculator
Interest plus every fee: arrangement, exit, valuation and legal, as one total and a monthly cost.
Open CalculatorAuction finance calculator
Cash needed to complete a commercial auction purchase, with SDLT, buyer's premium and the 28-day timeline.
OpenSend us the deal and we will come back with indicative terms from bridging lenders whose appetite fits the property and your exit.