Work out your gross loan, interest, fees, net advance and total repayment in seconds — with every cost shown, nothing hidden.
Use open market value, or purchase price if buying.
AF Credit lends up to 75% LTV (65% via AVM).
3–24 months. Match to your exit timeline — repay early with no exit fee.
From 0.79%/month residential, 0.99%/month commercial. See our rates page.
Retained reduces your day-one net advance. Serviced requires monthly payments.
AVM is free and instant on qualifying standard residential property.
Typically 1–2% of the gross loan, deducted from the advance.
Indicative — varies by solicitor, charge type and complexity.
These figures are indicative. Tell us the property address and loan amount and we'll confirm your valuation route and issue real same-day indicative terms — free, with no commitment.
Figures do not constitute an offer or commitment to lend. Final terms are subject to valuation, underwriting and legal due diligence. Your property may be repossessed if you do not repay your loan within the agreed term.
Gross loan is the total facility secured against the property — the figure your LTV is measured on. Net advance is what actually lands in your account on day one: the gross loan minus the arrangement fee, and minus retained interest if you choose the retained option. Repayment at redemption is what you pay to close the loan — the gross loan, plus rolled-up interest if applicable.
Two levers move the numbers most: LTV (higher LTV usually means a higher rate) and term (interest accrues monthly, so a realistic-but-short term keeps total cost down — and with no exit fee at AF Credit, repaying early only ever saves you money).
For a deeper walkthrough with worked examples, read our guide: What does a bridging loan cost? Or compare valuation routes on our no valuation bridging page — the fastest and cheapest way to bridge on qualifying property.
Bridging interest is quoted monthly and calculated on the loan balance. On a £200,000 loan at 0.85% per month, interest is £1,700 per month. Most borrowers roll interest up (pay it at redemption) or have it retained (deducted from the advance) rather than paying monthly.
LTV (loan to value) is the gross loan as a percentage of the property value. At AF Credit the maximum is 65% via AVM valuation, or 75% via desktop valuation or physical inspection. Lower LTVs typically attract lower rates.
The gross loan is the total facility secured against the property. The net advance is what you actually receive on day one, after retained interest and the arrangement fee are deducted. This calculator shows both, so there are no surprises.
No — the figures are indicative and for illustration only. Actual terms depend on the property, LTV, term, exit strategy and underwriting. AF Credit issues real same-day indicative terms on any enquiry, free and without obligation.
AF Credit rates start from 0.79% per month for standard residential at lower LTVs. As a guide: use 0.79–0.85% for strong residential cases at 60–65% LTV, 0.85–0.95% at higher LTVs, and 0.99%+ for commercial property. See our bridging loan rates page for the full picture.