Indicative cost calculator
Bridging Loan Calculator Wiltshire
A quick estimator for the monthly cost of a Wiltshire bridging loan. Set the loan size, term, monthly rate band and exit route to see the headline numbers. Indicative only; exact terms come back from the lender once we triage the case and pitch the panel. Use the figure here as a sense-check, not a quotation.
Indicative cost
Bridging loan calculator · Wiltshire
Monthly rates between 0.55% (regulated) and 1.5% (heavy refurb / dev exit). Indicative only. Exact terms vary by lender, security and exit.
Monthly interest
£4,250
Total interest
£38,250
Arrangement (2%)
£10,000
Total at exit
£548,250
Exit via property sale on the open market. Excludes valuation and legal fees (both sides borrower-paid, typically £1,500 to £4,000 per side). Indicative APR equivalent 10.20% for context only. Bridging is priced monthly.
Calculator notes
How the numbers work
How is monthly bridging cost calculated?
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Monthly interest is the loan balance multiplied by the monthly rate. A £400,000 loan at 0.85% per month costs £3,400 per month in interest. Most lenders roll the interest onto the balance month by month rather than charging it monthly, so it compounds slightly. Retained-interest products deduct the full term's interest from the day-one drawdown so you receive less cash up front but pay nothing during the term. The calculator above uses a simple rolled assumption for indicative cost.
What rate band should we assume for a Wiltshire case?
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Regulated bridging on owner-occupied residential property starts from 0.55% per month and typically sits 0.55% to 0.85%. Unregulated bridging on investment, BTL, commercial and mixed-use security runs 0.65% to 1.25% per month. Heavy refurbishment and development exit cases price at 0.75% to 1.5%. Where your case sits in those bands depends on LTV, term, exit strength, borrower experience and security location. The default 0.85% in the calculator is a fair mid-market starting point for most unregulated Wiltshire cases.
Does the calculator include fees?
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Yes, partially. The total-at-exit figure includes the loan balance plus rolled interest plus a 2% arrangement fee. It excludes valuation fees (£750 to £2,500 typically) and legal fees on both sides (£1,500 to £4,000 per side typically), because those vary too much by property type and lender to plug a single number in. We share the full cost picture on the indicative terms sheet, with every fee itemised.
Is the calculator the rate we will actually pay?
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No. The calculator is an indicative cost tool, not a quotation. Actual rates depend on the lender selected, the LTV, the security valuation, the exit credibility, and your borrower profile. Once we triage the deal and pitch the lender panel, the indicative terms we send you will carry the actual monthly rate, fees, LTV and conditions specific to your case. Treat the calculator as a sense-check for whether the numbers work; treat the lender's indicative terms as the actual pricing.
The calculator is an illustration, not a quotation. Regulated bridging on owner-occupied residential property is FCA-regulated. Unregulated bridging on commercial and investment property is not. We are not FCA-authorised and work with FCA-authorised partners for regulated work.
Next step
Want the actual lender numbers on your deal?
Send us a short summary of the case. We will triage inside the working day and come back with indicative lender terms from two or three of the panel inside 24 hours.