Bridge Loan Calculator: Interest-Only, Retained & Rolled-Up
Professional bridge loan calculator with LTV, fees, serviced/retained/rolled-up interest, net advance, redemption amount, and APR (IRR). Print a clean schedule.
Loan & Property Details
Populate the asset value, requested loan, and interest assumptions. LTV caps adjust the gross loan automatically.
Capitalised retains the fee on the redemption side; upfront fees shrink the cash you receive.
Set the first payment date to align the amortization schedule.
Cash proceeds after fees and retained interest.
Composition: principal, interest, and fees.
How to Use This Bridge Loan Calculator
Follow the sequence below to estimate the cash a bridge loan delivers, the fees triggered, and the eventual payoff obligations.
- Enter the property value and cap the loan with the LTV percentage so you do not overstretch the asset.
- Set the gross loan plus the term in months that matches the bridge financing offer.
- Choose whether interest is serviced, retained, or rolled-up and supply the monthly interest rate.
- Add arrangement, broker, exit, valuation, and legal fees, selecting if arrangement costs are upfront or capitalised.
- Review net advance, monthly outflows, total fees, redemption payment, and APR/IRR to understand the full cost.
Methodology
The calculator enforces the LTV cap by trimming the gross loan if you exceed the permitted multiple of the property value.
Serviced interest pays the rate each month while the principal stays on the balance. Retained interest deducts the full interest up front. Rolled-up interest compounds on the balance and settles at redemption.
Fees can be billed upfront (reducing the net advance) or capitalised (added to the redemption amount). The APR is the internal rate of return (IRR) from the borrower’s cash flows, annualised to 12 months.
- The calculator defaults to monthly periods; adjust the start month so the schedule aligns with your deal.
- Net advance reflects the cash in your pocket after upfront fees and retained interest.
- Redemption amount includes capitalised arrangement fees and any exit fees or rolled-up interest.
- The APR/IRR output accounts for all cash flows (advance, monthly interest, and redemption) so you can compare across deals.
- LTV guardrails that auto-trim your requested transfer to the permitted amount.
- Serviced, retained, and rolled-up interest modeling with upfront or capitalised fees.
- Cash-flow APR/IRR plus a printable schedule to support underwriting and closing discussions.