Bridge Cost Calculator. A clearer first-pass view.
Estimate the gross facility, capitalised interest, fees, peak LVR, effective funding cost, and exit proceeds for a bridging or private-credit scenario.
Make retained interest and gross facility size visible before a borrower compares a short-term loan or commits to an exit timetable.
Bridging and private loan true-cost calculator
Work back from the cash required to estimate a capitalised-interest facility, its total cost and the exit position.
Change any assumption to update the result instantly.
Calculated from the assumptions entered on this page.
Includes the payout, net funds, capitalised interest and entered fees.
Gross facility divided by current property value.
Simple interest for 12 months.
Calculated on the estimated gross facility.
Interest, establishment fee and fixed costs combined.
Total cost divided by the net new funds required.
Gross facility divided by expected exit value.
Exit value less sale costs and repayment of the gross facility.
- • The gross-up assumes all interest and fees are retained or capitalised at settlement; serviced-interest structures will differ.
- • Default interest, minimum-interest periods, discharge fees, extensions and monthly management fees are not included unless entered in fixed costs.
Keep the source figures visible
Security and payout
Current property value and debt that must be repaid at settlement.
Net funds required
The usable additional cash needed by the borrower.
Rate, term, and fees
Capitalised simple interest, establishment percentage, and fixed costs.
Exit assumptions
Expected exit value and selling-cost allowance.
Turn inputs into a reviewable signal
Gross facility
The estimated total facility after capitalised interest and fees.
Peak and exit LVR
Leverage against current security and expected exit value.
True funding cost
Interest and fees in dollars and as a share of usable new funds.
Net exit proceeds
Expected value after selling costs and repayment of the facility.
Twelve-month capitalised-interest bridge
A borrower needs to refinance $900,000 and receive $500,000 in new funds against a $2.50 million property.
The base requirement is grossed up for interest and the establishment fee, producing an estimated facility of approximately $1.614 million.
Includes the payout, new funds, interest, and entered fees.
Gross facility divided by current property value.
Simple interest over twelve months.
Move from raw figures to a better review conversation
The tool organises an early scenario. Keep the evidence, assumptions, and professional review attached to the result.
Enter the cash need
Separate the current payout from the usable new funds required.
Gross up the facility
Apply the rate, term, percentage fee, and fixed costs.
Test the exit
Review peak leverage and expected proceeds, then rerun a delayed or lower-value case.
Keep the result in context
Interest is modelled as simple interest on the gross facility for the full entered term.
Interest, establishment fee, and fixed costs are assumed to be capitalised or retained.
The model does not reproduce lender-specific minimum-interest or early-repayment provisions.
Exit value and timing should be independently stress-tested.
Useful for borrowers & private-credit advisers
Make retained interest and gross facility size visible before a borrower compares a short-term loan or commits to an exit timetable.
About the Bridge Cost Calculator
Use these answers to understand the tool's purpose before relying on its indicative output.
Why is the gross facility higher than the funds I receive?
The facility may need to cover the existing debt payout, usable new funds, retained or capitalised interest, and lender and third-party fees.
What is peak LVR?
Peak LVR compares the highest modelled facility balance with the current property value supporting the loan.
Does this calculator quote a private loan?
No. It organises an indicative scenario and does not provide a rate, offer, approval, valuation, or credit decision.
Use the calculator, then keep the assumptions attached to the result.
The result is an indicative workflow signal. Broker, adviser, valuer, accountant, and lender review still applies to the full scenario.