--- title: "Bridging Loan Calculator | Melbourne" description: "Use our free bridging loan calculator to estimate monthly interest, fees, and total costs. Get an instant quote for your short-term finance needs." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://bridgingloanmelbourne.com.au" }, { "@type": "ListItem", "position": 2, "name": "Calculator", "item": "https://bridgingloanmelbourne.com.au/calculator" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to estimate your bridging loan cost", "description": "Estimate the monthly interest, fees, and total repayment of a Melbourne bridging loan in four steps.", "totalTime": "PT2M", "tool": [ { "@type": "HowToTool", "name": "Bridging Loan Calculator" } ], "step": [ { "@type": "HowToStep", "position": 1, "name": "Set your loan amount", "text": "Use the slider to choose how much you need to borrow — most bridging loans range from $100,000 to $5,000,000." }, { "@type": "HowToStep", "position": 2, "name": "Choose an interest rate", "text": "Bridging loan rates typically sit between 0.8% and 1.5% per month depending on loan size, LVR, and exit strategy." }, { "@type": "HowToStep", "position": 3, "name": "Pick your loan term", "text": "Select a term in months that matches your exit strategy — most Melbourne bridging loans run 3 to 12 months." }, { "@type": "HowToStep", "position": 4, "name": "Review total cost", "text": "The calculator shows monthly interest, total interest, the establishment fee, and your total repayment so you can compare scenarios." } ] } ] --- [](tel:+61422026728) [Call Now ](tel:+61422026728)Contact Us [![Bridging Loan Melbourne — fast short-term property finance experts](/assets/bridging-loans-logo-whBM4xTF.png "Bridging Loan Melbourne — Home")](/) [Services](/services)[Insights](/insights)[About](/about)[0422 026 728](tel:+61422026728)[Apply now](/contact)[Calculator](/calculator) Open menu Free Calculator Tool # Bridging Loan Calculator Estimate your bridging loan costs instantly. Adjust the sliders to see how different loan amounts, terms, and rates affect your total repayment. ## Loan Details Loan Amount$500,000 $100K $5M Interest Rate (per month)1.20% 0.8% 2.0% Loan Term6 months 1 month 24 months Establishment Fee2.0% 0% 5% ## Your Estimated Costs Monthly Interest $6,000 Total Interest (6 months) $36,000 Establishment Fee $10,000 Total Cost of Loan $46,000 Total Repayment $546,000 ### Ready to Get Started? This is an estimate only. Get an accurate quote tailored to your specific situation. [Get Your Free Quote](/contact)[0422 026 728](/contact) **Disclaimer:** This calculator provides estimates only and should not be considered financial advice. Actual rates, fees, and terms may vary based on your individual circumstances, credit history, and the security property. Contact us for an accurate assessment. Compare Scenarios ## Loan Comparison Table See how different loan terms affect your total costs based on your selected loan amount of $500,000. Loan Term Monthly Interest Total Interest Est. Fee (2%) Total Cost Total Repayment 3 months $6,000 $18,000 $10,000 $28,000 $528,000 6 monthsSelected $6,000 $36,000 $10,000 $46,000 $546,000 9 months $6,000 $54,000 $10,000 $64,000 $564,000 12 months $6,000 $72,000 $10,000 $82,000 $582,000 18 months $6,000 $108,000 $10,000 $118,000 $618,000 24 months $6,000 $144,000 $10,000 $154,000 $654,000 ### Shortest Term Savings A 3-month term saves you approximately: $54,000 compared to 12 months ### Effective Annual Rate Your monthly rate of 1.2% equals: 14.4% p.a. simple interest per annum ### Daily Cost Your loan costs approximately: $200 per day in interest ## Understanding Bridging Loan Costs ### Interest Rates Bridging loan interest is typically charged monthly, ranging from 0.8% to 1.5% per month. Interest is usually capitalised (added to the loan) and paid at settlement. ### Establishment Fees A one-time fee charged when setting up your loan, typically 1-3% of the loan amount. This covers valuation, legal, and administration costs. ### Loan Terms Bridging loans are short-term, typically 1-12 months. The shorter the term, the less interest you'll pay overall. ### Exit Fees Some lenders charge exit fees when you repay the loan. We work with lenders who offer flexible terms with no early repayment penalties. Get Started Today ## Need Fast Finance? We Can Help. Get a free, no-obligation quote in minutes. Our team is ready to help you secure the bridging finance you need. 24hr Approvals No Upfront Fees Flexible Terms Expert Guidance [Get Your Free Quote](/contact)[0422 026 728](/contact) ![Bridging Loan Melbourne logo — Melbourne bridging finance specialists](/assets/bridging-loans-logo-whBM4xTF.png "Bridging Loan Melbourne") ### Services [Property Purchase](/services/property-purchase)[Auction Finance](/services/auction-finance)[Settlement Bridging](/services/settlement-bridging)[Renovation Finance](/services/renovation-finance)[Business Bridging](/services/business-bridging)[Development Finance](/services/development-finance) ### Suburbs [Toorak](/suburbs/toorak)[Brighton](/suburbs/brighton)[South Yarra](/suburbs/south-yarra)[Hawthorn](/suburbs/hawthorn)[St Kilda](/suburbs/st-kilda)[Malvern](/suburbs/malvern) ### Resources [Insights](/insights)[FAQs](/faq)[Glossary](/glossary)[Loan Calculator](/calculator)[Contact Us](/contact) ### Company [About Us](/about)[Our Services](/services)[Sitemap](/sitemap) ### Legal [Privacy Policy](/privacy-policy)[Terms of Service](/terms-of-service) © 2015 - 2026 Bridging Loan Melbourne Level 27, 101 Collins Street, Melbourne VIC 3000, Australia