Can the Creative Loan Studio model bridging loans?

Yes. Set the term, rate and fees, choose rolled-up or serviced interest, and the studio produces the full monthly schedule and the balance due when you redeem.

Does rolled-up interest compound?

In the studio, yes: rolled-up interest is added to the balance each month, so later interest is charged on earlier interest. That's why the balance at exit is higher than the loan plus simple interest.

Can I model vendor finance or a staged-drawdown loan?

Yes. Add each release as a drawdown in the month it happens and choose the repayment type and rate that match the agreement. Vendor-finance terms can be modelled the same way as any other loan.

Can I export the schedule?

Yes. The full monthly schedule, and a side-by-side comparison of scenarios, can be downloaded as CSV files.

Is the Creative Loan Studio free?

It's included in the Monthly (£5 a month) and Lifetime (£97 one-off) plans. The buy-to-let and stamp duty calculators are free with any account.

Creative Loan Studio

Model almost any property loan month by month (bridging with rolled-up interest, staged drawdowns for a refurb, interest-only, repayment or part-and-part, vendor finance) and compare up to three funding scenarios side by side.

By Alex Abazov, founder of ADVESTOR · Updated 28 September 2026 · Rates last verified August 2026

Run your numbers See pricing

Run a quick version free right here. The full calculator is included in Monthly (£5/month) and Lifetime (£97 one-off). Buy-to-let and stamp duty calculators are free.

Run your numbers

Loan amount

Term

Interest rate (a year)

Arrangement fee

Percentage of the loan, added to the balance.

Need every input? Open the full calculator

Total cost of finance

£17,352

Interest plus fees

Balance due at exit

£167,352

Month 12

On these numbers this loan costs £17,352 in interest and fees, and you'd owe £167,352 when it's repaid in month 12.

Full breakdown

Interest and fee totals
Year-by-year schedule
PDF with monthly schedule
Effective all-in cost

Example (default inputs)

Example deal

Balance due at exit

£167,352

Month 12

Total interest

£14,352

Total cost of finance

£17,352

Interest plus fees

Effective all-in cost

11.29%

A year, on the average balance

£150,000 bridging loan over 12 months at 9% fixed, interest rolled up, with a 2% arrangement fee added to the loan.

What it works out

Full monthly schedule: Opening balance, drawdowns, fees, rate, interest, payments, capital repaid and closing balance for every month, exportable as CSV.
Balance due at exit: What you owe when the loan is redeemed, including rolled-up interest and financed fees.
Total cost of finance: All interest and fees, split between what's paid in cash and what's added to the loan.
Effective all-in cost: The total cost as an annual rate on the average balance, so different structures compare fairly.
Scenario comparison: Up to three scenarios, each with one or more linked facilities, compared side by side.

What you enter

Loan term, exit month and repayment type: interest-only, repayment or part-and-part
Drawdowns: one advance or a schedule of staged releases
Interest rates by period: fixed or tracking the Bank of England base rate
Whether interest is paid monthly or rolled up
Fees as amounts or percentages, upfront or on exit, added to the loan or paid in cash
Overpayments and early redemption
Linked facilities: for example a bridge refinanced onto a term loan

Why a standard mortgage calculator isn't enough

Most mortgage calculators assume one loan, drawn in full on day one, at one rate, repaid monthly. Property finance rarely works like that. Bridging loans often roll interest up, development and refurb loans release money in stages, fees can be added to the loan or paid on exit, and many deals move from one facility to another partway through.

The Creative Loan Studio builds the loan month by month from the structure you describe, so the balance, interest and fees reflect how the finance actually behaves.

Serviced versus rolled-up interest

With serviced interest you pay the interest each month in cash and the balance stays level on an interest-only loan. With rolled-up interest nothing is paid monthly: interest is added to the balance and compounds, so the amount owed at exit is noticeably higher than the original loan. The studio shows both the cash you pay along the way and the balance you'll need to clear at the end.

Staged drawdowns, fees and rate changes

Add drawdowns in the months the money is actually released, so interest only runs on what's been drawn. Set different rates for different periods: for example a fixed rate followed by a tracker, where the studio adds the Bank of England base rate held in the model to your margin. Enter fees as fixed amounts or percentages, charged upfront or on exit, and either added to the loan or paid in cash.

Part-and-part loans are handled by splitting the balance between an interest-only portion and a repayment portion, and overpayments reduce the balance in the month you make them.

Comparing funding scenarios

Build up to three scenarios and compare them on total interest, total fees, balance due at exit and effective all-in cost. Within a scenario you can link facilities, for example a bridge that is repaid by a buy-to-let mortgage, and the studio draws the second loan down for the amount owed on the first when it exits.

The effective all-in cost converts everything into a single annual rate on the average balance, which is the fairest way to compare a cheap loan with high fees against a dearer loan with low ones.