Dynamic Bridging Loan Calculator
Calculate your loan costs with dynamic rates
Shorter Terms = Lower Rates
Loan Parameters
Maximum LTV is 75% of property value.
Up to 90% of the purchase price.
Loan-to-Value (LTV)
50.0%
Medium risk (50-65%)
£75,000
6 Months Term
0.92% Monthly Rate
- Principal Amount
- £75,000
- Total Interest
- £4,331
- Arrangement Fee (2%)
- £1,674
- Other Fees
- £1,485
Fee Breakdown
- Arrangement Fee (2%, added to the loan)
- £1,674.24
- Valuation Fee
- £495.00
- Administration Fee
- £990.00
- Legal Fees (Est.)
- TBD
Monthly Breakdown
| Month | Interest | Gross Loan |
|---|---|---|
| 1 | £705 | £77,380 |
| 2 | £712 | £78,092 |
| 3 | £718 | £78,810 |
| 4 | £725 | £79,535 |
| 5 | £732 | £80,267 |
| 6 | £738 | £81,005 |
Total Amount Repayable
£82,490
Save £5,937 vs 12-month term
Indicative only. Interest is capitalised and the arrangement fee is added to the loan, so both compound over the term. Legal fees are confirmed once solicitors are instructed.
As Featured On:
Quick Questionary - Unlock Fast Funding
LTV-Based Bridging Loan Rate Table
Interest rates based on loan-to-value ratio and repayment terms
Lower LTV + Shorter Terms = Best Rates
£50,000 Loan Example
Property Value: £111,111 | Loan Amount: £50,000
45% LTV - Premium Rates
3 MonthsBest Value
0.78%
Monthly rate
£54,911
Total repayable
Interest: £1,231
6 Months
0.85%
Monthly rate
£56,419
Total repayable
Interest: £2,720
9 Months
0.92%
Monthly rate
£58,205
Total repayable
Interest: £4,487
12 Months
0.98%
Monthly rate
£60,220
Total repayable
Interest: £6,487
| Term Length | Monthly Rate | Total Interest | Total Repayable | Savings vs 12m |
|---|---|---|---|---|
| 3 Months | 0.78% | £1,231 | £54,911 | £5,309 |
| 6 Months | 0.85% | £2,720 | £56,419 | £3,801 |
| 9 Months | 0.92% | £4,487 | £58,205 | £2,015 |
| 12 Months | 0.98% | £6,487 | £60,220 | Not applicable |
Complete LTV Rate Structure
Premium tier: LTV under 50%
Example: £50k loan on a £117k+ property
- Up to 3 months
- 0.78%
- 4-6 months
- 0.85%
- 7-9 months
- 0.92%
- 10-12 months
- 0.98%
Standard tier: 50-65% LTV
Example: £50k loan on a £77k-£100k property
- Up to 3 months
- 0.85%
- 4-6 months
- 0.92%
- 7-9 months
- 0.99%
- 10-12 months
- 1.05%
Maximum tier: 65-75% LTV
Example: £50k loan on a £67k-£77k property
- Up to 3 months
- 0.87%
- 4-6 months
- 0.95%
- 7-9 months
- 1.02%
- 10-12 months
- 1.08%
Fee Structure (Included in Total Repayable)
- Arrangement Fee (4%)
- £2,195.44
- Valuation Fee
- £495.00
- Administration Fee
- £990.00
- Legal Fees
- TBD
What Property Experts Say?
Insights and opinions from industry professionals
Lendlord's Digital Bridging Finance has you covered
Jamie York introduces Lendlord Bridging Loans
Vanessa Warwick from PropertyTribes introduces Lendlord Bridging Loans
Fast Loans Testimonials
See how Claire and the Lendlord Dynamic team delivered fast bridging solutions when time was running out
Auction purchase
“I won a property at auction with 20 working days to complete and my mortgage broker said it was impossible. Claire called me within two hours, understood the deadline, and had funds ready in six days. The dynamic rate meant I paid less when I refinanced after four months.”
Marcus Harrison
Property investor, London
- £245k
- Loan amount
- 6 days
- To completion
Chain break
“Our buyer pulled out three days before exchange, but we had already exchanged on our own move. Claire arranged a bridge that let us complete as planned. We were not just another application number.”
Sarah and James Chen
Homeowners, Manchester
- £180k
- Loan amount
- 4 days
- To completion
Development exit
“Our development loan was expiring with unsold units and the bank wanted extension fees plus penalty rates. Claire structured a development exit bridge that came in cheaper, gave us time to sell properly, and released equity for the next project.”
Rebecca Thompson
Director, Apex Developments Ltd
- £1.2M
- Loan amount
- £50k+
- Saved
Notice to complete
“We were served a Notice to Complete with ten working days left and our solicitor said the deposit was gone. Claire worked through the weekend, coordinated with our legal team, and had everything ready with three days to spare.”
David Williams
Commercial property investor
- £25k
- Deposit saved
- 7 days
- To completion
Secure Up to 90% Loan to Value
🎯 Feel Your Savings - Bridging Loan Comparison Table
Click on Lendlord Dynamic benefits below to collect your savings and see the difference!
£0 Saved
- £0
- Total Saved
- 0
- Weeks Saved
- 0%
- Efficiency
- 0/9
- Features Unlocked
Standard Bridging
The traditional approach
Application Speed
2-6 weeks typical processing time
Application Process
Paper-heavy, manual processes
Interest Rates
Fixed rate structure
Early Repayment
Standard penalties apply
Loan-to-Value
Up to 75% LTV only
Analysis Tools
Separate tools required
Progress Tracking
Phone and email updates only
Fee Transparency
Limited visibility on costs
BRRR Support
No integrated analysis
Lendlord Dynamic
The smart, modern approach
Your Savings Summary
- £0
- Total Savings
- 0
- Weeks Saved
- 0%
- Efficiency Score
- 0/9
- Features Unlocked
Illustrative figures, based on what a typical bridging case costs a borrower in fees, delay and holding costs against the same deal run through Lendlord. Your own saving depends on the deal, the lender you compare against and how quickly you redeem.