Broker Toolkit

Bridge calculator

Size a buy-before-you-sell bridge with any lender's terms. Enter both homes and the lender's rate, fees and LTV limit. You'll see how much your client can borrow, what it costs to carry until the sale, and what's left once the current home sells. Free, no sign-up.

An example deal is loaded so you can see how it works. Replace it with your client's numbers.

Home being sold

Your client's current home.

$
Expected sale price until the appraisal is in.
$
Include any secured line of credit. Enter 0 if mortgage free.

Home being bought

Transfer tax is added automatically for BC, Alberta, Ontario, Quebec and Nova Scotia.

$
$
Deposit already paid plus any cash going in at closing.
$
Most bridge lenders use the lower of purchase price and appraised value.

Bridge lender's terms

Use the terms from the lender you're quoting. You can come back and try another lender's terms on the same deal.

%
Interest only. Replace with the rate from the lender you're quoting.
%
Across both homes, including other mortgages.
%
%
mo
Used to estimate interest paid before the sale pays the bridge down.
What happens to the current mortgage
Fees and closing costs
Closing costs and payout penalty
$
Planning allowance. Use the actual quote if you have it.
$
Only used when the bridge pays out the current mortgage.

Estimates only, for mortgage professionals. Lenders set their own rates, fees, LTV limits and conditions, so confirm the terms with the lender you're quoting. Appraisals, underwriting and legal costs can change the final numbers. This calculator is provided free by Neighbourhood Holdings. It does not replace the cost of borrowing disclosure the borrower must receive before signing.

How the numbers are calculated

Most the lender can advance = the lender's maximum combined LTV × the lending value of both homes, less any mortgages that stay ahead of the bridge. The new home's lending value is the lower of purchase price and appraisal.

Needed to close = purchase price + transfer tax + closing costs + current mortgage and penalty if the bridge pays it out, less the deposit, own funds and any separate 1st mortgage. When fees and closing costs come out of the mortgage, that amount is grossed up so the advance after lender and broker fees still covers it. When the client pays them, they're shown as client cash instead.

Cost to carry = bridge amount × rate ÷ 12 × months until the sale closes, plus lender and broker fees. It assumes interest-only payments and a fixed balance until the sale.

Transfer tax uses the published base schedules for BC, Alberta (transfer registration only), Ontario, Toronto, Nova Scotia and Quebec and Montreal (2026 brackets). First-time buyer exemptions, foreign buyer taxes, Alberta mortgage registration and Toronto admin fees are not included. Realtor commission examples are negotiable and should be replaced with the listing agreement.

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* Mortgages in Saskatchewan are offered through Fisgard Capital Corporation, a licensed Financing Corporation.
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