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Property Development Finance Calculator - Calculate Your Funding Needs Today!

Make informed decisions with our accurate and easy-to-use property development finance calculator.

How our property finance calculator it works

Our property development finance calculator is designed to help you determine the funding you’ll need for your upcoming project. Simply input the required details, such as the purchase price, estimated build cost, and loan term, and our calculator will do the rest. You’ll receive an instant estimate of the amount of finance you may need, which can help you plan your budget and funding strategy more effectively.

Why Use Our Development Finance Calculator?

Property developers frequently require financing for large projects like construction, refurbishment or repurposing. Our Property Development Finance Calculator can assist you in calculating likely costs and fees as well as the gross development loan-to-value (GLTV) ratio. Lenders will use these figures as a basis for deciding if they’re willing to provide finance for a project. They’ll also take into account how you intend to repaid the money received.

Every development project entails its own set of costs. These may include land acquisition, development and construction expenses as well as sales and marketing expenses. These costs can range anywhere from a few thousand dollars for minor repairs and upgrades to several million dollars for a new development. Other elements that may impact development expenses include the economy, access to financing options and local regulations or restrictions. Costs are an integral element of any real estate development project, especially those undertaken by developers to attract investors, secure loans and create accurate budgets. Unfortunately, they can also be complex to comprehend. To better comprehend construction costs, it’s essential to distinguish between hard and soft costs. Hard costs refer to physical items a developer must purchase and install, while soft costs are intangible but still essential for the overall project. The distinction between hard and soft costs can make or break a project’s budget. Material prices, in particular, are directly affected by market volatility and supply chain constraints; it is therefore essential to use quality historical information along with current bids and proposals when estimating material costs.

Professional services are an important element of development costs, such as architects, engineers, planners and other experts. Professional services commonly provided include architectural and design, construction, project management, planning, surveying and environmental remediation. Others involve legal fees, zoning reviews, lender loan document reviews as well as various administrative costs.

Labor costs are another significant component of a development project’s total expense. Hiring labor depends on the type of work involved and its location; for commercial developments, most labor expenses will be related to hiring professional engineers and architects for design and construction purposes.

Other fees involved in the development process include those for connecting utilities such as electrical power, natural gas, water, sewer and phone. These may include installation fees and permits plus a title search. Furthermore, fees related to environmental protection or stormwater management might also be necessary.

Development finance calculators are an invaluable resource to help you estimate the costs associated with property development. They’re available on many lenders’ websites and other online financial hubs, though some of them offer more sophisticated functionality than others.

Our property development finance calculator collects all necessary data to give you a speedy and precise quote for your project, as well as an indication of its total cost. It allows you to compare different options and determine how they will affect you financially, so you can make an informed decision on which is best suited to meet your requirements.

First, enter the total amount of money necessary for your build. This includes both the initial release of funds (known as Prime Funding) and any subsequent funding you anticipate receiving during development. You can adjust these totals accordingly by adding interest charges and facility fees to see how they will impact overall costs.

Once you add up all other costs associated with the project, such as VAT refunds that should be claimed, you can reduce its overall cost and thus boost profits.

Other fees such as legal and quantity surveyor costs can also be added on top. These amounts vary between lenders, typically between 1-3% of the loan value.

As a general guideline, limit the cost of your development to no more than 65% of its gross development value (GDV). This will give you an accurate indication of how much money can be borrowed and whether it will be enough for all your needs. Finally, if you plan to sell the development once it’s completed, then you must enter its expected GDV at that point. Doing this will enable you to determine whether it would be more profitable to sell the property or continue with the development project. Property development projects require careful consideration of the profitability factor, which can impact whether or not investing is worthwhile. Furthermore, research the best development financing option for you – such as a buy-to-let mortgage or bridging loan – based on individual circumstances.

Gross Development Value
Gross Development Value, or GDV, is an important metric in any financial appraisal of a property investment project. It provides an approximate estimation of what a development or investment project might be worth on the open market once all development works have been completed. This metric serves as the cornerstone of any financial appraisal on a project and it’s used to offset building costs, legal expenses, land acquisition costs and funding expenses. A high GDV is essential if developers wish to generate enough profit so their project becomes profitable and marketable upon completion.

If a project is situated on green belt land, having an impressive Gross Development Value can help guarantee planning authorities grant permission for development. But in order for this to occur, there must be substantial economic and social advantages from the land in question. Developers with high GDVs may find that high GDV projects are especially advantageous in areas that struggle to meet their housing targets. If a developer can persuade councils that their proposal will provide housing for local people, then the project may be approved at a reduced land charge rate. When calculating a Gross Development Value, it is essential to factor in both the expected future sale price of units as well as capital and rental returns. To guarantee accurate figures, research local property markets thoroughly. To achieve this, seek the opinion of two or three Estate Agents who can provide strong comparable open market prices for your development. Once this information has been gathered, an average Gross Development Value (GDV) can then be presented to lenders when seeking finance for the project.

There are several methods for obtaining this figure, but the most accurate way is having an RICS surveyor come and inspect the property. They can then provide an estimated value based on current sales and demand.

Once you have an estimate of the site’s worth, it is wise to use our Property Development Finance Calculator to compare different finance options and find which plan offers the most affordable outcome. Our calculator is unique in that it allows users to enter in their project’s total cost and then experiment with loan terms, interest rates and exit fees to find which solution offers the most affordable solution.

Loan Term
Development loans are financial resources available to property developers who plan to purchase land and construct buildings on it. These loans come in various forms and are tailored to meet a developer’s needs at various stages of the venture, such as purchase, construction and sale or lease of the building. The amount you can borrow with a development loan depends on the strength of your project and lender’s appetite for risk. Most lenders prefer to see an organized plan before approving any loan application – this includes financial details, costings and site plans. Furthermore, you may need planning permission or other approvals which could take some time.

Our Property Development Finance Calculator can assist you in calculating how much you can borrow based on your individual requirements. It takes into account loan-to-cost (LTC), the gross development value (GDV) of your project and other key variables to provide a quote tailored specifically for you. The calculator also displays the most likely interest rates and fees associated with development financing. These are typically determined using the lender’s annual rate combined with a reference rate, usually LIBOR or Base Rate. Furthermore, it displays likely exit fee and facility fee amounts in percentage terms of gross loan amount or GDV.

When it comes to accurately calculating your development profit and return, having all the pertinent information at one convenient location is key. Our calculator offers this solution and can save you a considerable amount of time and energy in the long run.

Our calculator offers all the features necessary to help you make an informed decision on how best to finance your residential development project. We’ll even show you the most attractive interest rates and fees available, helping you locate a solution within budget

Benefits of Using Our Calculator

  • Our calculator is an essential tool for anyone involved in property development. Whether you’re a seasoned property developer or just starting out, our calculator can help you make informed decisions about your funding needs. By using our calculator, you can avoid over- or under-estimating your  Our calculator is accurate, easy-to-use, and free. It’s an essential tool for anyone who wants to maximize their property development potential. By using our calculator, you can:


Determine the funding you’ll need for your project

Plan your budget and funding strategy more effectively

Avoid over- or under-estimating your funding requirements

Save time, money, and stress


Calculate Your Funding Needs Now!


Development Finance Calculator - experienced or first time developers welcomed !

Easy & Instant results – Development finance calculator.  Rates from 0.65% for UK house builders. up to 75% LTV <  +10% LTV lending boost , or  true 100% JV finance. Talk to us for FREE.  Just call  0777 981 9891 and speak direct.

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Calculate How much Development Finance can you get?

Our Development finance calculator  enables you to quickly see, what sort of level of development funding you might get for your housing build.  This calculator is primarily aimed at the UK finance lending market. 

It quickly calculates how much deposit you might need, and the impact of if you have additional security you can offer upto the lender.

With additional security you may well get 100% of the purchase / land price AND 100% of the build costs.

The development finance calculator will help you work out how much initial funding you can get towards the land purchase and how much funding you will get towards the build costs.

It will also provide a guide to how much profit your project will make before and after interest and charges, and also the estimated ROI  return on Investment that your building project will achieve.


As a broad guide, most UK finance lenders want to see an ROI of 20% + 

The finance calculator is only for indicative purposes, and the actual finance offer will be subject to a Quantity Surveyor officially  valuing the land  and of cost some breakdown of your build costs to confirm the overall figure is broadly inline with typical build costs for that type of property / conversion.


quick Development finance calculator instant results

0.64% apr

Minimum annual Interest rate
(typical rate 1% pcm)


LTV overall against GDV

3 - 24 Months

24 months Max term available

£ 10000000

Don't delay - apply today !

Uk house builder new houses

development finance free online calculator

 We can fund bridging loans and development finance in; Bath, Birmingham,  Brighton & Hove,  Bristol, Cambridge,  Chelmsford,  Chester, Chichester,  Gloucester, Hereford, Lincoln, London, Manchester, Oxford,  Southampton, St Albans,  Westminster,. Winchester. Wolverhampton. Worcester,. York