Post Office Bridging Loan Comparison Calculator

Use our bridging loan calculator for quick rate comparisons with Post Office. Gain access to the best bridging loan rates sourced in the UK.

Post Office Money is a financial services sub-brand that’s owned and operated by Post Office Ltd. Providing many of the services that would be expected of a major bank or building society, Post Office Money offers a variety of credit cards, current accounts, insurance products, mortgages, and personal loans.

Bridging loans from the Post Office

These are loans that are typically required to fund property deals. They are primarily used for covering short-term financial gaps, hence the use of the word ‘bridging’. They are usually needed for terms lasting between 2 and 3 months. In a scenario where a borrower needs to make a deposit on a new mortgage facility prior to selling an existing property, post office bridging loans can be a suitable funding option.

Our post office bridge loan calculator

The calculator we offer is user-friendly and will demonstrate the interest fees charged and any additional costs. There are many bridge loan providers operating in the UK market, which each offer varying interest rates along with different costs involved with rates of interest along with any other costs involved with a given product.

What are the associated interest rates?

Owing to the unique nature of bridge funding, the interest is normally much higher than loans acquired from traditional lending facilities such as Santander, Barclays, and the Yorkshire Bank. You may, in some instances, ask for the interest payments to be ‘rolled up’. When this happens, the interest is not paid on a monthly basis but instead on an accrued sum that is expected to be paid at the end of the required bridge loan term.

This can be highly useful for borrowers who do not have access to the necessary funding at the beginning stages of applying for and receiving the funds.


In addition to the interest rate, you’ll also be expected to pay a number of different fees when applying for a bridging loan online, including all or some of the following costs:

  • Legal fees: These cover the legal costs and solicitor fees of the company you apply to borrow from, and they are typically charged at a fixed rate.
  • Valuation charges: These are the surveyor fees that cover the cost of carrying out a specific property valuation.
  • Introducer costs: These are fees that cover the cost of the broker’s work involved in finding you a suitable deal.
  • Repayment costs: the fees that cover the cost of any paperwork involved when the loan is finally settled.
  • Exit fee: approximately 1% of the amount borrowed if you choose to repay early; however, not each individual provider will expect an exit fee.
  • Arrangement costs: the fees of setting up a given loan, which are usually 1-2% of the overall loan value.

Who can apply for Post Office bridging finance?

Individual borrowers and limited companies may request bridge finance online. In most cases, the online application process for bridging finance is quick and straightforward to complete. A Post Office bridge loan may be used for virtually any purpose you have in mind, assuming the applicant is aged 18 or over and the intended purpose is approved by the lender.

Bridging loans typically involve some type of asset as security, such as property or land. Bridge loans are always provided as secured loan types. This means that the lender will often require a first or second charge over the security provided by the applicant. If the borrowing party is a company, the financer may require additional guarantees. The idea is that providing security for the loan ensures the bridging loan will be repaid. Without owning any of the required assets, a bridge loan applicant will be unable to continue with their request for funding.

The prominent concern for bridge fund lenders is how and when the money lent will be repaid. All online bridge loan providers want to ensure that any funds lent will be repaid on time, as agreed.

The security itself is also used in order to calculate the LTV of the bridging loan provided, which works similarly to a secured loan such as a mortgage offered by a large High Street bank such as the Royal Bank of Scotland or Halifax.

The Loan to Value illustrates the size of the loan offered in direct accordance with the equity available in the security that the borrower is able to offer.

Typical costs based on 0.55% rates over 12 months

Bridging Loan Amount Repayment Amount (excluding broker fees etc)
£50,000 £59,254
£60,000 £70,148
£70,000 £81,042
£80,000 £91,936
£90,000 £102,829
£100,000 £113,723
£110,000 £124,836
£120,000 £135,948
£130,000 £147,060
£140,000 £158,172

Let our AI software compare rates for bridging loans against high-street banks and other institutions:

Main Stream Banks
Barclays Halifax
HSBC Lloyds Bank
Martin Lewis Nationwide
NatWest Post Office
RBS Santander
Shawbrook Bank Skipton Building Society
Tesco Together Money
UK Bridging Loans Yorkshire Bank