Determine Your costs on a bridging loan.

Our bridging loan calculator provides essential insights into your potential costs with a bridging loan, including fees and the total interest payable, helping you make informed decisions about your property purchase.

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Bridging Loan Cost Calculator

Our bridging loan calculator is designed to help you work out your potential costs.

Please note this is only an estimate, to use as a guide only and the cost can vary based on the lender and your individual situation.

Please also note other fees may be payable such as valuations fees and legal fees.

To get a more accurate quote, we suggest you speak to one of our advisers. They can guide you in making an informed decision that is right for you.

How much Will It Cost?

Property Value Loan Amount Loan Term (1-18 months)

Estimated Interest Rate: – – % per month

Estimated Fees: £ – –

Average Monthly Interest: £ – –

Total Interest: £ – –

Total Cost: £ – –

Stamp Duty Calculator

If you are purchasing a property use our Stamp Duty calculator to work out if you will incur stamp duty, and if so, how much. It's important to factor these additional costs into your budget when you're considering your affordability.

Our calculator has been updated to reflect the latest residential Stamp Duty Land Tax changes from 1st April 2025

What will your Stamp Duty be?

Property value

First-time buyer

Your stamp duty as a first-time buyer would be: £ - -

Moving home

The stamp duty on your new property would be: £ - -

Buying an additional home

Stamp duty on an additional home would be: £ - -

Access To Bridging and Commercial Lenders Including:

Mortgage Lenders

Why Kerr & Watson?

Understanding

We take the time to understand your situation so that we can search for the most suitable mortgage and insurance for you. Any recommendation made is completely bespoke to your circumstances.

Experience

Mortgage and insurance advice is our speciality. We have decades of combined experience giving us the knowledge to overcome challenges and find the appropriate solution for your needs.

Communication

We work around your schedule to arrange a mortgage or insurance policy that suits your needs. You'll be kept updated throughout the entire process with clear communication so you'll always know what's going on.

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Testimonials

    
 
 
       Posted on Google  
   
   Bernadette Bashford-Payne 
 30 September 2026
 
 
  I can't recommend Kerr & Watson enough. I moved from another provider I had been using for 20+ years due to missing a purchase after multiple delays and errors. Kerr & Watson took me in as a customer and out did any expectations I had. They also taught me more about mortgages than I thought I knew, making the process easy. A great all round service by every member of the team, at every step.
  
 
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   Neil Medcalf 
 24 September 2026
 
 
  We could not have asked any more in service, action when required, flexibility when circumstances changed and the determination to get the mortgage sorted for us. We were delighted with every aspect of the service and would highly recommend Kerr and Watson, in particular Marie who is a Gem.
  
 
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   Vicki Beesley 
 24 September 2026
 
 
  I could not recommend Kerr & Watson highly enough. Marie was absolutely amazing and went above and beyond despite our very difficult circumstances. We would not be where we are today with her.  If you are looking for a company that truly cares then you will not be disappointed. Thank you again Marie!
  
 
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   Dani 
 24 September 2026
 
 
  We had a very positive experience with Kerr & Watson. The adviser, Marie Kitchen, was very professional, responsive and helpful throught the entire re-mortgage process. She took the time to explain each step clearly, answered our questions promptly and kept us informed of the progress of our application. We are very satisfied with the service and would be happy to recommend the company to others looking for a mortgage assistance 😊
  
 
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   Jonny Hornzee 
 23 September 2026
 
 
  The whole team at Kerr & Watson were extremely helpful and communicative. Highly recommend.
  
 
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   Simon Bruckshaw 
 23 September 2026
 
 
  Another fantastic experience with Stephen, Andreea and the team at Kerr & Watson. I've worked with them in numerous occasions and each time has been a pleasure. True experts in their field, always offer great advice and an unrivalled level of service.
  
 
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   Sarah Perrot 
 23 September 2026
 
 
  Great service from Bradley and we won’t hesitate to use him again in the future.
  
 
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   Sam 
 23 September 2026
 
 
  Thank you.. amazing service will defo use again.
  
 
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   charlotte yates 
 21 July 2026
 
 
  Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice.  The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
  
 
      Posted on Google  
   
   Lauren Murray 
 30 June 2026
 
 
  Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.

Awards & Recognition

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Frequently Asked Questions

▸ ▾ What is a Bridging Loan Calculator?

A Bridging Loan Calculator helps you estimate the costs and repayments for short-term financing used to bridge the gap between buying a new property and selling an existing one.

▸ ▾ How do bridging loans work?

Bridging loans provide temporary funding to cover the purchase of a new property until the sale of your current property is completed.

▸ ▾ What information do I need to use the Bridging Loan Calculator?

You need the loan amount, interest rate, loan term, and any associated fees to calculate the total cost and monthly repayments.

▸ ▾ How are the interest rates for bridging loans calculated?

Interest rates for bridging loans are typically higher than standard mortgages and are normally calculated monthly.

▸ ▾ What are the advantages of using a bridging loan?

Bridging loans offer quick access to funds and flexibility in managing property transactions, especially in time-sensitive situations.

▸ ▾ Should I consult an advisor before taking a bridging loan?

Yes, consulting with an advisor ensures you understand the terms, costs, and suitability of a bridging loan for your specific situation.