Home Loans Bridging loan

Bridging loan — transitional financing

To buy,
before you have sold.

From €50,000 to €500,000, over 12 to 24 months. Fixed APR from 3.80%, secured by a mortgage on the property for sale.

3.80 %

Min. fixed APR

€0

Application fees

10 d

Statutory reflection period

Bridging loan simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

APR Total cost of credit Total amount due

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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.

Why Calp

Four simple commitments, contractually upheld.

Short-term fixed APR

Rate fixed for 12 to 24 months, with no revision clause.

No application fees

No processing fees. Notary fees for mortgage registration disclosed in the offer.

Expert-led review

Independent valuation of the property for sale. Decision within 7 business days.

Repayment on sale

Principal repaid in full when the property is sold, with no penalty.

Detailed terms

An early purchase,
a secured transition.

Minimum amount€50,000
Maximum amount€500,000
Minimum term12 months
Maximum term24 months
Supporting documentSales mandate and purchase agreement
Origination feesNotary registration fees
Borrower insuranceDeath and total disability recommended
Disbursement of fundsWithin 30 days of the deed
Early repaymentNo penalty when the property is sold
GuaranteeMortgage on the property for sale

Indicative fixed APR scale

Excluding insurance and notary fees. Updated 12 May 2026.

Borrowed amount	Term	APR
€50,000 — €100,000	12 months	4.10%
€100,000 — €200,000	12 months	3.90%
€100,000 — €200,000	18 months	4.00%
€200,000 — €350,000	18 months	3.80%
€200,000 — €500,000	24 months	3.90%
€350,000 — €500,000	12 months	3.80%

Representative example: for a bridging loan of €200,000 over 18 months at a fixed APR of 3.80%, you repay 18 monthly interest payments of €633 (full deferment available), principal repaid on sale.

Why choose Calp for your bridge loan

Four reasons to opt for Calp bridge loan

Bridge loans are a technical operation: advancing the value of the property you are selling to buy the next one. The margin for error is thin, and calibrating amount and term is decisive. Calp is a recognized operator in this segment.

Up to 80% of estimated value

Calp advances between 60 and 80% of the estimated value of the property to be sold depending on local market and liquidity. The estimate is conducted by two independent agencies or a notary, at Calp's expense.

Flexible duration up to 24 months

Standard duration is 12 months, extendable once up to 24 months if the sale takes longer than expected, with no fees or renegotiation. This flexibility avoids pressure to sell at loss in a tight market.

Three formulas to choose from

Dry bridge (no combined primary loan), bridge with total franchise (no monthly payment until sale), bridge with partial franchise (only interest paid). Choice depends on your cash flow and risk tolerance.

Combinable with a classical mortgage

The Calp bridge loan can be combined with a Calp amortizing mortgage for the part exceeding the bridge advance. One contact for both loans, one consolidated amortization schedule.

Eligibility criteria

Who can apply for a Calp bridge loan?

The Calp bridge loan is for property owners with a property for sale or about to be listed, wishing to acquire a new property without waiting for the first sale to close. The main condition is realistic liquidity of the property to be sold.

Age at subscription18 to 75 at last due date
Tax residenceEU, EEA or Switzerland
Minimum net monthly incomeEUR 2,500 / month
Employment statusPermanent, civil servant, self-employed, retired
Max debt-to-income ratio35% excluding bridge monthly payment
Property to sellListed via agency or notary mandate

Documents to submit with your application

PDF upload from your client area. Property appraisal within 10 days, preliminary approval within 5 days of full file.

ID and family status
ID or passport for each co-borrower. Marriage or civil partnership contract if applicable. Current proof of address less than 3 months old.
Title deed of the property to sell
Notarized deed of the current property, latest property tax, certificate of release of any existing mortgage. If current mortgage, amortization schedule and remaining capital.
Sales mandate and appraisal
Sales mandate entrusted to an estate agency or notary, with the written appraisal. Ideally two independent appraisals or a notarial expertise to reliably set the advanced amount.
Purchase agreement for the new property
If the new property is identified: notarized purchase agreement or promise to sell, detailed description, mandatory diagnostics, acquisition price and ancillary fees (notary, guarantee).
Income and wealth
Last three pay slips, last two tax notices. Self-employed: last two balance sheets. Statements of current and savings accounts over the last three months, life insurance contracts where applicable.

Typical use cases

What is the Calp bridge loan used for?

Bridge loans solve a timing problem: you find the new property before selling the current one. Below are the four most frequent scenarios observed in 2025.

Professional move or regional change

Forced transfer, job opportunity in another city, retirement abroad. The sale of the current property takes time but the new home must be quickly available. 35% of files.

Growing family

Birth, recomposed family, elderly parent to host: need for more space within a tight schedule. Bridge enables buying the suitable house before the current apartment is sold. 28% of files.

Crush purchase in a tight market

Rare property found in an area with limited supply. Bridge enables signing without a sale contingency, reassuring the seller and securing the transaction. 22% of files.

Wealth optimization

Sale of a rental property to acquire a secondary residence or a higher-yield rental investment. Bridge avoids missing a temporal tax opportunity. 15% of files.

Frequently asked questions

Your questions, our answers.

What is the financing ratio?

Up to 70% of the appraised value of the property for sale. Independent valuation applied systematically.

Is there a repayment deferment?

Yes, full or partial deferment is available. You only pay the interest during the term of the loan.

What happens if the property does not sell?

Extension available for an additional 12 months. Beyond that, conversion into a long-term mortgage loan is considered.

Do I already need a buyer?

No, an exclusive sales mandate is sufficient. A signed purchase agreement speeds up the procedure.

What if I do not sell my property in time?

Calp automatically grants a 6 to 12 month extension if the sale is not finalized at the initial deadline, without fees or renegotiation, within a cumulative 24-month limit. Beyond that, the bridge loan can be converted into a classical amortizing mortgage, secured by the new property, while the sale is finalized calmly.

Is the bridge loan more expensive than a classical mortgage?

Slightly, yes. The APR for a Calp bridge loan averages 0.30 to 0.60% higher than an amortizing loan, corresponding to the duration risk. However, since the bridge lasts 12 to 24 months maximum, the absolute cost remains limited (EUR 1,500 to 4,500 on average) compared with the comfort it provides.

Can I resell the property bought with the bridge loan?

Yes, but the bridge loan must then be fully repaid from the sale proceeds. The operation is only worthwhile if you plan to keep the new property long enough to amortize notary and guarantee fees. For a short buy-resell strategy, a business loan or wealth loan is more suitable.

A smooth transition,
a controlled cost.

No pressure on the sale, no rushed move, no double financing.

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To buy, before you have sold.