Development Finance Calculator
Free development finance quote
What is a development finance calculator?
Our property development finance calculator helps you estimate how much you could borrow, what your expected profit at the end of sale might look like, and what the loan could cost overall. It takes into account key factors such as the gross development value (completed build), build costs, borrowing interest and estimated profit margin based on the GDV of the project.
It is ideal for:
- Estimating development finance costs before speaking to a lender
- Comparing borrowing scenarios at different project sizes
- Checking projected profit margins based on GDV
- Planning your equity input or deposit requirement
What inputs are required?
To use the development finance calculator, you will typically need:
- Site or land purchase price
- Estimated build costs
- Expected Gross Development Value (GDV)
- Proposed term (in months)
- Estimated development finance rates
From this, the calculator will show:
- Total funding required
- Lender contribution vs. developer equity
- Interest costs over the term
- Breakdown of staged drawdowns
- Estimated development finance fees
Understanding development finance rates and fees
Property development finance rates will vary on a case to case basis, depending on the size, location, borrower experience, and overall risk of the project.
In addition to interest, you should expect other development finance fees such as:
- Arrangement fees (typically 1 to 2% of the loan amount)
- Exit fees (sometimes applied based on GDV or loan amount)
- Valuation and monitoring of surveyor costs
- Legal and admin fees
Our calculator gives you a rough indication, but we always recommend speaking to a broker to fully understand the full cost of finance and how lenders structure repayments.
What impacts development finance costs?
Several variables affect your development finance costs, including:
- Location and market demand
- Strength of planning permission
- Experience of the development team
- Level of equity you are contributing
- Accuracy of build cost estimates
- Exit strategy and GDV margin
Our team can help you fine-tune your numbers and match your project with lenders that support your level of risk and ambition.
Want to know more about development finance?
Speak to us for personalised advice
Once you have used our development finance calculator, the next step is to explore your real borrowing options with tailored terms.
We will help you:
- Access competitive development finance rates
- Understand all associated development finance fees
- Structure your funding to suit your build schedule
- Prepare a lender-ready proposal and exit strategy
Whether you are just exploring or ready to build, Envelop Finance is here to provide clear answers and hands-on support.
