HMO Bridging Calculator

Calculate bridging finance costs for your HMO property.

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How We Calculate Bridging Finance

Methodology & Data SourcesUpdated March 2026

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

Current bridging finance rates from specialist lenders (March 2026)

UK Finance bridging market data

HMO bridging finance criteria

Exit strategy requirements from lenders

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.

This calculator is a planning tool. For current rates, lender criteria, and specialist advice:

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