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The HMO Mortgage Broker

HMO Bridging

HMO Bridging Calculator

Calculate bridging finance costs for your HMO property.

Related reading: HMO bridging finance guide.

This calculator is a planning sketch. For exits, costs and when to use a bridge, read the HMO bridging finance guide.

Your figures

71.4% of the property value

Bridging rates are quoted per month

Your results

Total cost of the bridge
£28,500
Total to repay: £278,500, including the loan
Monthly interest
£2,125
Interest over 12 months
£25,500
Arrangement fee
£2,000
Early repayment fee
£1,000
Loan amount
£250,000
Loan to value
71.4%
Interest is shown as a simple monthly rate on the full loan for the whole term. Lenders may retain or roll up interest, and repaying early can reduce it.

Illustrative figures only, based on the numbers you enter. Not a mortgage offer.

How we calculate Bridging Finance

Methodology and data sources, updated March 2026

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

  • Yes:Current bridging finance rates from specialist lenders (March 2026)
  • Yes:UK Finance bridging market data
  • Yes:HMO bridging finance criteria
  • Yes:Exit strategy requirements from lenders

Key assumptions

Interest RateCurrent average bridging finance rate
8.5%
Loan TermTypical bridging finance term
12 months
Maximum LTVTypical bridging finance LTV limit
70%