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Bridging Loan Calculator
Loan Amount Required
Please enter the amount that you wish to receive. Any facility fees or roll up interest will be added on top of this amount.
Maximum Loan Term Required
This is the maximum amount of time, in months, that you will need to borrow the money for. Make sure you consider the maximum time it could take to be able to repay the loan.
How many properties used as security
Enter the number of properties that you wish to use as security for the bridging loan.
Property 1: Value
Enter the value of the first (or only) property that you wish to use as security. You should use the estimated market value of the property.
Property 1: Mortgage Balance
Enter any remaining mortgage balance you currently have on the security property.
Property 2: Value
Property 2: Mortgage Balance
Property 3: Value
Property 3: Mortgage Balance
Property 4: Value
Property 4: Mortgage Balance
Property 5: Value
Property 5: Mortgage Balance
Property 6: Value
Property 6: Mortgage Balance
Interest Roll Up or Pay Monthly
Choose whether you would prefer to pay the interest balance monthly, or have the interest rolled up.

‘Roll up’ means the interest will be charged then added to the loan facility. This means you won’t have to pay anything throughout the term of the loan. You will pay the interest when you repay the full loan amount.

‘Pay Monthly’ means the interest will be charged each month, and you will be required to pay this amount each month, as interest is not added to the loan facility.
Early settlement amount
Clearing your loan early - If you believe you will be able to clear the loan before it reaches full term, enter the month that you could clear the loan. The calculator will work out an estimated settlement amount if the loan is cleared at the end of the month selected.
Loan Amount Requirement: £0
Loan Term: 0 Months
Monthly Interest Rate Charged: 0%
Arrangement Fee (0%):  £0
Gross Bridging Loan Amount:  £0
Monthly Interest Amount Charged: £0
Overall Interest Payable:  £0
Gross Loan Amount + Interest Amount:  £0
Loan To Value (LTV):  ?
Other Costs
Property Valuation Fees:  £0
Administration Fee:  £0
Approximate Legal Fees: £0
Money Transfer Fee:  £0
Charge Removal Fee:  £0
Termination Fee:  £0
Dolphin Fees:  £0
Loan Settlement
Amount At Full Term:  £0
Early Settlement, End of Month 0:  £0
The figures generated by this calculator should only be taken as an estimated, not an accurate quote.

The calculator is designed to provide you with a general guide to the rates, charges and costs you can expect when taking out a bridging loan through Dolphin Loans.

If you would like a tailored, accurate and more detailed quote, please feel free to give us a call at any time.

Bridging Loan Calculator


How to Use the Dolphin Loans Bridging Loan Calculator

  1. Start by entering:
    • The bridging loan amount required
    • The maximum loan term you will need the money for (bearing in mind that bridging loans are usually for 18 months or less!)
    • The number of properties you will be using as security for the loan
    • The market value of the security property/properties and any remaining mortgage balances on them
  2. Select either ‘Interest Roll Up’ or ‘Pay Monthly’. This is in regards to how you would like to repay the interest. ‘Roll up’ means the interest will be charged each month but added to the loan facility and you will pay it back at the end of the term when you repay the full loan amount. ‘Pay Monthly’ means the interest will be charged and paid each month.
  3. Early Settlement. Select a month within the full loan term you have already selected to get a figure for an early settlement amount. This will give you a rough estimation of the amount repayable if you were to repay the loan earlier within the term.
  4. Click ‘calculate’ and get your quote!


Our Premier Bridging Loan Criteria

The figures generated by our bridging loan calculator are based off of our Premier plan. Most of the bridging loans that we are arrange are based off of this plan as it is the most popular.

General Loan Criteria

  • Bridging loan amounts available from £50,000 to £10,000,000
  • Possible loan terms from 1 month to 18 months
  • A minimum loan term of 30 days.

Applicant Criteria

You must:

  • Be aged 21 or above
  • Be a current resident in the UK
  • Have at least an ‘average’ credit history (Although we do not require your credit score)
  • Our loans are available to individual applicants, business partnerships and limited companies.
  • We do not require a proof of income where you are on a roll-up interest plan, and your exit strategy is the sale of a property

Security Criteria

  • We can secure loans on; houses, flats/apartments, studios/maisonettes, bungalows and HMOs
  • You can use more than one property as security
  • The location of the property must be in England, Scotland or Wales
  • We accept properties in very poor conditions (but new builds must be watertight – roof and windows)

Property Valuation Criteria

  • A valuation of the security property will be required
  • This can either be a full valuation or a desktop valuation


Bridging Loan Fees and Charges

Interest Rates

The interest rate charged depends on the Loan to Value (LTV).

Bridging Rates
LTV Intrest Rate
Up to 50% 0.49%
50% to 65% 0.59%
65% to 70% 0.69%
70% to 75% 0.75%

How Is The Interest Charged?

For the vast majority of the bridging facilities that we provide, the interest is rolled up. The following features apply:

  • Interest is charged on a month-by-month basis on the loan balance.
  • Monthly payments are not required on an interest roll-up plan. The interest will be added onto the outstanding loan balance each month. This will be payable at the same time as when you clear the loan.
  • The outstanding loan balance will increase each month as the interest compounds.
  • If you decide to clear the loan early (before the end date of the full term) there will be no early repayment charges or penalties.

Our minimum bridging loan term available is 30 days. This means that even if you repay the full loan amount within the first 30 days of the term, you will still be charged interest on  a full 30 days. Once the initial 30 day period has ended, the interest is calculated daily. Then, you will only be charged interest up until the exact day you clear the full loan amount.

Arrangement Fees

We may also refer to an arrangement fee as a ‘facility fee’.

Usually, lenders will charge an arrangement fee as a 2% rate based on the net loan amount (the amount before any interest or fees are added). Occasionally, they will calculate it on the gross loan amount.

However, we do have the ability to charge a reduced arrangement fee, depending on the loan amount.

Arrangement Fees
Loan Amount Fee
Up to £125,000 2%
£125,000 to £150,000 1.75%
£150,000 to £200,000 1.5%
£200,000 to £250,000 1.25%
£250,000 to £350,000 1%
£350,000 to £500,000 0.75%
£500,000 to £750,000 0.5%
£750,000 and above Nil

Property Valuation Fees

A valuation will need to be performed on the security property/properties in the event that there isn’t already a suitable valuation in place.

The price will depend on the property value, the location and the type of valuation that is required. More often than not, a full valuation is required so our calculator is based off these estimated costs. The fee is payable directly to the property surveyor or the lender.

Where we can use a desktop valuation, we will. They are considerably cheaper and can be done in a shorter time scale.

Administration Charge

The administration fee is payable to the lender and typically costs £295. This fee will only be charged once the loan as been drawn, not on application.

Legal Fees

Legal fees are charged by the lender to cover the costs of their solicitor carrying out any of the legal processes required to set up your loan facility. These fees are approximate as it depends on the lender and your circumstances.  

Money Transfer Fee

This can also be referred to as a telegraphic transfer fee.

This fee is charged for the electronic transfer of the funds from the lender to the solicitor, to then be transferred to you.

Charge Removal Fee

This is often referred to as a redemption fee.

This fee is charged by the lender when the loan is repaid in full. This is an additional legal cost to have the legal charge removed from the security property/properties.


Dolphin’s Other Favourite Bridging Plan

0.29% Per Month Plan

  • Interest rates of just 0.29% per month with a 60% LTV or less.
  • Loan terms extendable up to 24 months
  • Standard arrangement fee of 2%
  • Roll-up’ or ‘Pay Monthly’ interest options available
  • Available on loans of £1,000,00 and above

It is important to bear in mind that this is not a standard bridging facility. This plan will be a good option for you if it fits your circumstances and you fit the lending criteria. However, the underwriting is more stringent and it can take a while longer to arrange, so you need to ensure that you have the time available for this to happen.

We can offer unbeatable rates on bridging facilities over £2,000,000!

Feel free to contact us at any time for more information regarding the specialist lending facilities we can offer on loans between £2 million and £1 billion.