Two exits, one deal. Work out which one actually pays.
YOU ENTER
• Purchase price, purchase costs, refurb budget and a contingency %
• Bridging loan amount, monthly interest rate, and months held
• Lender and broker fees
• Monthly holding costs — utilities, insurance, council tax
• Expected resale value, agent fee % and legal costs on sale
THE FLIP ROUTE
• Total project cost, including bridging interest and holding costs
• Cash you've actually invested
• Profit, profit margin on the sale price
• Return on cash invested
• Profit per month held — the one people forget
THE BRRR ROUTE
• Refinance at your chosen LTV
• How much mortgage you raise
• Money LEFT IN the deal after refinancing
• Cash released beyond your costs, if any
• Equity retained
Bridging interest is charged monthly, and months have a habit of multiplying.
This calculator makes that visible before you commit, not after.
Excel (.xlsx). Works in Microsoft Excel and Google Sheets. Instant download.
Educational tool only. Not financial or mortgage advice. Bridging finance
carries real risk. Correct as of July 2026.
Two exits, one deal. Work out which one actually pays.
YOU ENTER
• Purchase price, purchase costs, refurb budget and a contingency %
• Bridging loan amount, monthly interest rate, and months held
• Lender and broker fees
• Monthly holding costs — utilities, insurance, council tax
• Expected resale value, agent fee % and legal costs on sale
THE FLIP ROUTE
• Total project cost, including bridging interest and holding costs
• Cash you've actually invested
• Profit, profit margin on the sale price
• Return on cash invested
• Profit per month held — the one people forget
THE BRRR ROUTE
• Refinance at your chosen LTV
• How much mortgage you raise
• Money LEFT IN the deal after refinancing
• Cash released beyond your costs, if any
• Equity retained
Bridging interest is charged monthly, and months have a habit of multiplying.
This calculator makes that visible before you commit, not after.
Excel (.xlsx). Works in Microsoft Excel and Google Sheets. Instant download.
Educational tool only. Not financial or mortgage advice. Bridging finance
carries real risk. Correct as of July 2026.
