Development finance calculator
Size up a development scheme in seconds. Enter the purchase price, build costs and GDV to see your Loan to Cost, Loan to GDV, estimated rolled-up interest and the total cost of the facility.
Expected sale value of the completed scheme
Combined arrangement + exit fees, typically 2–4%
Estimated total facility cost
£45,625
Interest + lender fees over the term
Loan amount
£500,000
Total project cost
£650,000
Loan to Cost (LTC)
76.9%
Loan to GDV
55.6%
Estimated interest
£35,625
Lender fees
£10,000
Indicative only. Interest is estimated using an illustrative 50% average drawdown across the term and is rolled up. Actual drawdown timings and interest costs depend on the project and facility. Maximum Loan to Cost and Loan to GDV limits vary by lender, scheme, developer experience and risk profile. This estimate doesn't include professional fees, valuations, monitoring surveyor or legal costs.
The two ratios lenders care about
- Loan to Cost (LTC) — the loan as a percentage of total project cost, based here on the purchase price plus build costs. Maximum LTC varies by lender, project, borrower experience and risk profile.
- Loan to GDV — the loan as a percentage of the estimated value of the completed scheme. Maximum Loan to GDV varies by lender, project and developer experience.
What this calculator simplifies
- Interest is estimated using a 50% average-drawdown assumption. This is a simplified illustration; the actual interest depends on when each tranche is drawn and repaid.
- Fees here cover arrangement + exit. Real-world costs also include valuation, monitoring surveyor, broker and legal fees.
- VAT, contingency (usually 10% on build costs) and professional fees aren't included — speak to an adviser for a full appraisal.
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