Bridging Finance Calculator - Peak Debt & Exit
Bridging finance covers the gap between buying and selling. The number that matters is peak debt - the total owed at the worst moment - and whether the sale clears it. This calculator models peak debt, capitalised interest and the end debt you are left with.
Your details
Existing property
New property
Finance
| Existing debt | $350,000 |
| New purchase + costs | $1,255,000 |
| Less cash contributed | $0 |
| Opening bridging debt | $1,605,000 |
| Interest over 6 months at 8.50%, capitalised | $68,213 |
| Peak debt | $1,673,213 |
| Peak debt LVR (combined security) | 79.7% |
| Sale price | $900,000 |
| Less selling costs | $22,500 |
| Net sale proceeds | $877,500 |
| End debt | $795,713 |
| End debt if the sale takes 3 months longer | $829,819 |
| Monthly P&I on the end debt (30 yr) | $5,294 |
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Frequently asked questions
What is peak debt?
The maximum total owed at any point - the existing mortgage plus the new purchase and its costs plus capitalised interest, before the sale proceeds arrive. Lenders size bridging facilities against peak debt, not the end position.
What if my property does not sell in time?
Interest keeps capitalising and peak debt keeps rising. Use the stress test field to model it. Most bridging facilities have a hard expiry, after which penalty rates apply.
General advice warning: This calculator provides general information only. It does not take into account your objectives, financial situation or needs, and it is not personal credit or financial advice.
Results are estimates based on the inputs and assumptions shown. Any interest rate used is an example and is not an offer of credit. Speak to a licensed credit representative before acting on these figures.