Development Finance Calculator
Estimate your development finance facility, total costs, and projected profit. Adjust the inputs below to model different scenarios for your Fulham development.
Project Details
Facility Amount
£560,000
Projected Profit
£321,600
Finance Breakdown
Cost Breakdown
This calculator provides indicative figures only and should not be relied upon as a formal offer. Actual facility amounts, interest rates, and fees will vary depending on your circumstances, the property, and lender criteria. Contact us for a personalised quotation.
How to Use the Development Finance Calculator
Our development finance calculator helps you estimate the key financial metrics for your property development project in Fulham. Whether you are planning a ground-up new build, a conversion of a Victorian terrace, or a major refurbishment, this tool gives you a clear picture of the likely financing structure.
Understanding the Inputs
Purchase Price is the cost of acquiring the site or property. Build Costs include all construction, professional fees, and contingency. Together, these form your Total Development Cost (TDC).
Gross Development Value (GDV) is the estimated market value of the completed scheme. Lenders use both Loan to Cost (LTC) and Loan to GDV ratios to determine the maximum facility. The lower of the two calculations becomes your available facility amount.
Interest Rate is applied per annum on the drawn facility. Most development finance is rolled up, meaning interest is added to the loan rather than paid monthly. The Term determines the duration of the loan and directly impacts total interest costs.
Typical Development Finance Parameters
For Fulham developments, lenders typically offer up to 70% LTC and 65% GDV for experienced developers. First-time developers may see lower ratios of around 60-65% LTC. Interest rates generally range from 0.65% to 1.25% per month depending on the project risk profile, developer track record, and loan size.
Arrangement fees typically range from 1-2% of the gross facility. Some lenders charge exit fees of 0.5-1%, which are not included in this calculator. Always request a full breakdown of costs from your broker.
Making Your Numbers Work
Most lenders and their credit teams look for a minimum profit on cost of 20% for residential schemes. This provides a sufficient margin to absorb market movements and cost overruns. Use the calculator to test different scenarios and ensure your project delivers an acceptable return before committing.