Simulate your bridge loan in 2 minutes: amount granted, monthly payments, and total cost. Compare dry and backed loans.
A bridge loan is a temporary credit that allows you to buy a new property before selling your current one. It's an ideal solution to not miss a real estate opportunity while avoiding selling in a hurry.
Temporary loan where you only repay monthly interest. The principal will be repaid in full when you sell your current property. This formula minimizes your monthly payments during the transitional period (6 to 24 months).
Combines a bridge loan with a new traditional mortgage. During phase 1 (active bridge loan), you pay the bridge interest + the new loan payments. After the sale (phase 2), you only pay the new loan.
Banks generally grant between 60% and 80% of the estimated value of your property to be sold (70% on average). The bridge loan amount is calculated as: (Property value × Advance percentage) - Remaining debt. The greater your equity, the stronger your application.
The standard duration of a bridge loan is 12 to 24 months (18 months on average). Interest rates in 2026 are around 3.3% to 4.2% (average 3.6%), slightly higher than traditional loans as bridge loans present more risk to the bank.
Property to sell: €300,000 | New property: €450,000 | Remaining debt: €100,000 | Advance: 70%
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Estimate of your current property
Amount remaining on your current loan
Percentage of property value granted by the bank (standard: 70% with sales mandate signed, 80% with sales agreement signed)