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Loan calculator

See what your bridging loan could cost.

Choose a product and adjust the figures to see an illustration of costs and how much you could borrow. When you are ready, send the figures to us and we will come back with indicative terms.

Your figures

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Indicative rates: residential bridging 0.75%–1.25% a month, commercial and semi-commercial bridging 0.85%–1.35% a month. Loans from £100,000 to £5,000,000. Maximum LTV 75% for residential and 70% for commercial and semi-commercial property, subject to property type and underwriting.

Your illustration

These are indicative figures only and do not constitute an offer of finance. Actual pricing, LTV and terms will depend on the property, borrower circumstances, valuation, exit strategy and full underwriting. All lending is subject to status, underwriting, valuation, satisfactory security, legal due diligence and Gulf Bridging's lending criteria. Your property or other security may be repossessed if you do not keep up repayments on your loan.

Key terms

Loan to value (LTV)

The loan as a percentage of the property's value. A £300,000 loan on a £500,000 property is 60% LTV.

Retained interest

Interest for the whole term is worked out at the start and held back from the loan, so there are no monthly payments.

Rolled-up interest

Interest is added to the loan each month and paid in full at the end, when the property is sold or refinanced.

Serviced interest

You pay the interest every month, and repay the loan itself at the end of the term.

Gross and net loan

The gross loan is the total borrowed. The net loan is what you actually receive after any retained interest.

Maximum loan

The most we could lend against the property, based on its value and our maximum LTV for that type of property. Final figures depend on valuation and underwriting.

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