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Bridging loan: buy before you sell

You have found your next home, but your current one is not sold yet. A bridging loan advances part of its value until the sale. The calculation shows how much, what the interest costs, the new loan and what you keep if the sale comes in lower.

The property you are selling

EUR

The price it should sell for. Have it valued if you do not know.

EUR
€/month
%

An assumption: each bank sets its own share, no law fixes it. Ask your bank for its figure.

%

Starting point: 4.69%, the average rate on new housing loans with a variable rate or fixed for one year at most, in August 2026, according to the National Bank. Replace it with the rate in your offer.

Months until the sale

The property you are buying

EUR
Region of the property bought
EUR
%

Starting point: 3.53%, the average rate on a housing loan fixed for more than ten years in August 2026, according to the National Bank.

Term of the new loan

Possible bridging loan

€150,000

70% of the value of the property sold, minus what is still owed on it.

Bridging loan interest, per month
€586
Bridging loan interest over 12 months
€7,035
Registration duties and notary fees on the purchase
€48,282
Costs of the new loan deed (estimate)
€5,016
New long-term loan
€233,298
Monthly payment on the new loan over 25 years
€1,172
Each month until the sale, all three together
€2,358
What you keep from the sale
€90,000
What you keep if the sale is 10% lower
€60,000

A simulation, not an offer. The loan deed costs are the estimate from our total cost calculator. The bank may also charge arrangement fees.

Get a valuation of the property you sell

How a bridging loan works

The bank lends part of the value of the property you are selling, minus what is still owed on it. That money adds to your down payment for the next purchase.

Until the sale, you usually pay the bridging loan interest every month, on top of your current loan and the new one. The bridging loan is repaid in one go from the sale price.

The risk is a sale that is slower or lower than expected. That is why the calculation also shows what you keep if the price drops by 10%.

FAQ

A short-term loan that advances part of the value of the property you are selling, so you can buy the next one before the sale. It is repaid in one go from the sale price.
No law sets this amount. Each bank advances a share of the estimated value, minus what is still owed on the property. The simulator lets you set this share: ask your bank for yours.
You pay interest for longer, and the price may not be enough to repay the bridging loan. The simulator shows what is left if the price drops by 10%.
Registration duties and notary fees on the purchase, the costs of the new loan deed, the bridging loan interest until the sale, and sometimes arrangement fees.