Bridging loan cost calculator
Estimate peak debt, interest, LVR at drawdown and exit, and net sale proceeds on a bridging loan.
Estimated results
What these figures mean.
This calculator gives an indicative view of the two figures that decide whether a bridging structure works: how much debt sits on the table at the peak of the loan, and where that debt leaves you once the existing property has sold. Enter the price of the property you are buying, the price you expect for the property being sold, whatever debt already sits against it, the term you expect to need and an interest rate to test against. Choose whether interest is capitalised into the loan (added to the balance and repaid at sale) or serviced (paid as you go, so it does not add to the debt).
Peak debt is broadly the purchase price plus whatever is owed on the property being sold. LVR at drawdown compares that peak debt with both properties held as security; LVR at exit compares what is left, after sale proceeds are applied, against the property you keep. None of this is a quote: banks, private lenders, non-bank lenders and specialist funds each price bridging finance differently depending on security, timing certainty and exit strength, and every facility is assessed on its own terms. Use the figures to sense-check a scenario before you call. When the numbers look workable, the button above carries them straight into a short enquiry, so a principal can pick up the conversation without you re-typing anything.
Bridging loans — questions we are asked.
Is this bridging loan calculator giving me an actual rate?
No. The rate field is a placeholder for you to test scenarios against; actual pricing depends on security, LVR, timing and exit strength, and is set by the lender once a scenario is assessed.
What counts as security during a bridging loan?
Typically both properties — the one being purchased and the one being sold — until the sale settles and the existing debt is cleared, at which point security reduces to the property retained.
What happens if the sale takes longer than expected?
Most bridging facilities allow for an extension, typically at a fee, but a longer term also means more interest accrues. Use this calculator to test a longer term before committing to one.
Can Solara arrange a bridging loan if my existing property is not yet on the market?
Sometimes, though lenders typically want a clear sale strategy and realistic timing. Business-purpose and investment-purpose bridging only — if the purchase is for your own home, this is consumer credit and we are not able to assist.