Bridging Finance Calculator
A bridge lives or dies on the exit. Model the position at entry, the peak exposure once interest and fees capitalise, and what is left after the sale or refinance settles — including whether the exit LVR is one a lender will accept.
Step 1 of 4
BridgingFacility sizing
Either enter a known facility, or solve for the facility that lands on a target exit LVR.
How this was calculated
Every figure below shows the method used to derive it, so you can check the structure before taking it to a client.
At settlement
Deducted and capitalised fees are financed by the facility and reduce the funds released. Fees paid separately are settled by the borrower outside the facility.
| Gross facility | $1,500,000 |
|---|---|
| Establishment feeDeducted1.75% of gross facility | −$26,250 |
| Legal feesDeductedFixed amount plus GST | −$7,150 |
| Existing debt payout | −$900,000 |
| Net advance at settlement | $566,600 |
Entry, peak and exit exposure
A bridging facility is fully drawn at settlement, so peak exposure is driven by whether interest and fees capitalise through the term.
| Entry balance | $1,500,000 |
|---|---|
| Entry LVR (as-is value) | 62.50% |
| Interest capitalised over term10.5% p.a. compounded monthly | $122,345 |
| Peak debt | $1,622,345 |
| Peak LVR (as-is value) | 67.60% |
| Balance at exit | $1,622,345 |
| Exit LVR (realisation value) | 62.40% |
Exit and repayment
| Realisation value | $2,600,000 |
|---|---|
| Expected exit proceeds | $2,600,000 |
| Selling costs2.5% of realisation value | −$65,000 |
| Net proceeds available | $2,535,000 |
| Balance repayable | −$1,622,345 |
| Surplus to borrower | $912,655 |
Total cost of the bridge
| Fees financed by facility | $33,400 |
|---|---|
| Fees paid separatelyPaid separately | $0 |
| GST included above | $650 |
| Interest over term10.5% p.a. over 9 months | $122,345 |
| Total finance cost | $155,745 |
Assumptions
- Fee treatment
- Deducted fees are financed within the gross facility and taken at settlement, reducing net proceeds. Capitalised fees are funded within the facility rather than paid externally, increasing financed exposure. Separate fees are paid by the borrower outside the facility and do not reduce net proceeds, but do increase total transaction cost.
- Peak debt
- Peak debt is the facility plus any capitalised interest and capitalised fees accrued over the full term. Where interest is prepaid or serviced it does not add to peak exposure.
- Exit position
- The exit surplus is expected proceeds less selling costs less peak debt. A negative figure means the exit does not clear the facility and the structure needs revisiting.
- Single-point exit
- The exit is modelled as a single event at the end of the term. Staged settlements, partial repayments and extensions are not modelled.
- GST
- Where GST is marked as applicable on a fee, it is added at 10% on top of the calculated amount.
- Rounding and precision
- All arithmetic uses decimal precision rather than floating point. Figures are rounded to the cent for presentation only, so totals always reconcile.
Important information
This calculator produces an indicative desktop estimate for broker scenario-modelling purposes only. It is not an offer of finance, a pre-approval, a term sheet, or credit assistance, and it does not take your client's objectives, financial situation or needs into account.
Bridging exits depend on sale or refinance conditions outside anyone's control. Realisation values, selling periods and refinance appetite can all move. A bridge that does not clear on the modelled figures should be treated as high risk.
Actual terms, fees, rates, valuations, and available leverage are determined by the lender following full assessment, valuation and legal review. Fees and interest vary between lenders and transactions. Figures shown depend entirely on the inputs and assumptions you have selected.
Get Solutions does not provide financial, legal, tax, or accounting advice. Your client should obtain independent professional advice before acting on any figure produced here.
Tool version 1.0.0 · Formula version 1.0.0 · Disclosure version 1.0.0 · Calculated 11 Sept 2026, 8:50 pm
Common questions
- What is peak debt on a bridge and why does it matter?
- Peak debt is the highest exposure the facility reaches, which on a capitalising bridge is at expiry once all interest and fees have accrued. Lenders test the exit against peak debt, not the original facility, so it is the figure that determines whether the deal clears.
- How do I size a bridge to a target exit LVR?
- Switch the sizing approach to solve from target exit LVR and enter the LVR you want to land on. The tool solves for the facility whose peak debt sits at that LVR against realisation value, accounting for capitalised interest and fees.
- What if the exit surplus is negative?
- The exit does not clear the debt on your figures. Either the facility is too large, the term too long, the realisation value too optimistic, or selling costs too high. The result panel flags this so it is caught before the deal is presented.
Common questions
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