Property & Business Finance Calculators

These calculators provide estimates based on typical lending criteria and standard calculations. Actual loan terms, interest rates, and fees vary based on your specific circumstances, property type, experience level, and lender requirements. For accurate quotes tailored to your project, contact our team for a detailed assessment.

LTC (Loan-to-Cost) is the ratio of the loan amount to the total project costs (land purchase + build costs). Most development finance lenders offer 60-70% LTC, though experienced developers can access up to 95% LTC on certain projects. This is different from LTV (Loan-to-Value), which compares the loan to the property's current or future value.

Bridging loans charge monthly interest rates (typically 0.5% - 1.5% per month), unlike standard mortgages that use annual rates. Interest can be serviced monthly or rolled up and paid at exit. Most bridging lenders charge arrangement fees of 1-3% plus additional costs for valuation, legal work, and administration.

A good ROI for property development is typically 15-25% or higher. ROI below 10% may not justify the risk and effort involved. However, acceptable ROI varies based on project risk, timeline, market conditions, and your experience level. Always factor in all costs including finance, professional fees, and contingencies when calculating ROI.

Borrowing capacity depends on multiple factors: your income, existing commitments, credit history, property development experience, project type, location, and exit strategy. Lenders typically use income multiples (4-5x for commercial) and stress test affordability at higher interest rates. Experienced developers with strong track records can access larger facilities and better terms.

Yes, these calculators work for both residential and commercial property projects. However, commercial finance often has different criteria, such as rental income assessments, business plan reviews, and different LTV/LTC ratios. Contact our team for commercial-specific calculations and lending options tailored to your business property needs.