Bridge Loan Calculator
Simulate your bridge loan in 2 minutes: amount granted, monthly payments, and total cost. Compare dry and backed loans.
How does a bridge loan work?
What is a bridge loan?
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.
The two types of bridge loans
Dry Bridge Loan
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).
Backed Bridge Loan
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.
The bank advance
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.
Duration and cost
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.
Good to know
- • Accurately estimate the value of your current property with several real estate agents
- • Plan a safety margin if the sale takes longer than expected
- • Compare offers from several banks to get the best rate
- • Anticipate notary fees and guarantee costs for the new property
- • The bridge loan is not counted in the 35% debt ratio calculation
Concrete example
Property to sell: €300,000 | New property: €450,000 | Remaining debt: €100,000 | Advance: 70%
- • Bridge loan granted: €110,000 (300k × 70% - 100k)
- • Bridge payments (interest): ~€348/month
- • Total interest cost (18 months): ~€6,270
- • New mortgage: €340,000 (if backed loan)
Frequently asked questions
1What is a bridge loan in real estate?
What is a bridge loan in real estate?
2What is the difference between a dry and backed bridge loan?
What is the difference between a dry and backed bridge loan?
3What is the maximum amount you can borrow with a bridge loan?
What is the maximum amount you can borrow with a bridge loan?
4What is the duration of a bridge loan?
What is the duration of a bridge loan?
5What are bridge loan interest rates in 2026?
What are bridge loan interest rates in 2026?
6Can you get a bridge loan without a down payment?
Can you get a bridge loan without a down payment?
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