Tool
Development finance GDV calculator.
Enter land, build, fees and sales values to see LTGDV, LTC, rolled interest and profit on cost — the four numbers a development lender looks at first.
Your scheme
18 months
6 months36 months
14 months
Your figures
Loan to GDV66.67%
Loan to Cost88.61%
Profit on cost17.88%
Below 20% profit on cost is thin margin for a lender to underwrite against.
- Contingency
- £90,000
- Total project cost
- £1,580,000
- Arrangement fee
- £28,000
- Total interest (rolled)
- £148,513
- Exit fee
- £0
- Other costs
- £25,000
- Total finance cost
- £176,513
- Day one cash in
- £150,000
- Total equity across the scheme
- £205,000
- Peak debt
- £1,576,513
- Gross profit
- £318,487
- Profit on GDV
- 15.17%
This calculator is for illustration only. It is not a quote, an offer, or a decision in principle. Interest is modelled month by month on drawn funds, with the arrangement fee capitalised on day one. Actual drawdowns depend on surveyor sign-off against build progress. Figures should be confirmed before you rely on them.
For how lenders read a scheme, what experience they expect and what sits around the facility, read the full development finance guide.
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