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HMO Bridging

HMO Bridging Calculator

Calculate bridging finance costs for your HMO property.

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How We Calculate Bridging Finance
Methodology & Data SourcesUpdated October 2025

Calculation Formulas

Monthly Interest Payment
Loan Amount × (Annual Rate ÷ 12)

Interest-only monthly payment for bridging finance

Total Interest Cost
Monthly Interest × Loan Term (months)

Total interest over the bridging period

Data Sources

Current bridging finance rates from specialist lenders (October 2025)
UK Finance bridging market data
HMO bridging finance criteria
Exit strategy requirements from lenders

Key Assumptions

Interest Rate8.5%

Current average bridging finance rate

Loan Term12 months

Typical bridging finance term

Maximum LTV70%

Typical bridging finance LTV limit

Calculation Accuracy

Bridging finance calculations based on current market rates. Rates may vary based on property type and exit strategy.