Estimate your VAT bridging cost
Enter the purchase price and your assumptions to see the VAT to bridge, the interest cost and the total cost of the loan. Indicative only, not a quote.
The VAT of £200,000 is recovered from HMRC, usually within one to three months, which repays the loan. You carry only the cost above.
Calculator FAQs
How does the VAT bridging calculator work?
It takes the net purchase price, applies the 20% VAT to find the amount to bridge, then estimates the rolled-up interest over your chosen term plus an arrangement fee. It is an indicative guide, not a quote.
Is the estimate a formal quote?
No. The figures are indicative and depend on the lender, the security and your circumstances. Send us the deal for firm indicative terms, which are free and carry no obligation.
What VAT rate does it use?
The standard UK VAT rate of 20%, which is what applies to a standard-rated commercial or converted property purchase. If your VAT position is different, confirm it with your accountant.