Calculate Your Rate

The biggest factor is your loan-to-value (LTV). Lower LTV means lower risk for the lender, which translates to a better rate. Other factors include the property type (residential vs commercial), your exit strategy, the loan term, and whether the property is habitable. Adverse credit history or complex structures can also increase the rate.

Bridging, development, refurbishment and mezzanine rates are typically quoted as a monthly percentage (e.g. 0.55% per month). Buy-to-let and commercial mortgage rates are quoted annually (e.g. 4.5% per year). Our calculator shows rates in the convention appropriate for each product type.

Yes — these are indicative starting rates. When you submit a full application, our AI matches your case to 180+ lenders and finds the best rate available for your specific circumstances. Many borrowers receive rates below the indicative figures shown here, especially at lower LTVs with strong exit strategies.

Most bridging and development loans include an arrangement fee (typically 1–2% of the loan), valuation fees, and legal fees. Some lenders also charge exit fees. Our platform shows all fees upfront so there are no surprises. The calculator above shows interest costs only — your full quote will include all applicable fees.