Tools & Resources
Run the numbers first.
Free calculators to model funding scenarios, test borrowing capacity, and estimate costs — for when you want a sense of the deal before you speak to our team. Every tool is indicative. The real answer comes from a conversation.
How to use these
A starting point, not a verdict.
These tools give you a fast read on a scenario. They use the same metrics lenders use — LVR, ICR, lend-to-TDC — so the output is realistic, not wishful.
But a calculator does not know the asset, the valuation, the borrower, or which lenders are genuinely active this week. We do. Based in Canberra, connected nationally, with a small team working with a small number of clients.
Use the numbers to frame the question. Then talk to us. We will tell you when not to borrow.
Indicative only
Outputs are estimates to help you think. They are not a quote, an offer, or credit approval.
Real lending metrics
We model the ratios credit teams actually test, so the answer reflects how a deal is assessed.
Structure first
The number is the easy part. The structure behind it is what gets a deal funded.
Then a conversation
When you are ready, we turn the scenario into a real submission to the right lenders.
Try it now
Lease doc borrowing capacity.
A lease doc loan is sized off the property's net rental income, not your personal income. Enter the rent, the property value, and the lender's test rate to see the maximum loan an ICR test would support.
Your inputs
Indicative result
Indicative only. Net rental income is rent less outgoings (rates, land tax, insurance, management). Lenders apply their own test rate, minimum ICR (commonly 1.5x–2.0x), and LVR caps, and will require a valuation and lease verification. This is not an offer or approval.
The full set
Every calculator we offer.
Three tools across commercial property and development. More to come.
Development Funding Calculator
Estimate total project costs, funding structure, equity required, and key lending metrics like LVR on GRV and lend-to-TDC.
Lease Doc Calculator
Work the maximum commercial loan from net rental income and Interest Coverage Ratio (ICR), with LVR analysis and term estimates.
Property Valuation Calculator
Four valuation methods in one tool: cap rate, income capitalisation, comparable sales, and cost approach. Cross-check the estimate.
Questions
Before you rely on a number.
Are these calculators a loan offer or approval?
No. Every calculator on this page is an indicative modelling tool only. Outputs are estimates to help you frame a scenario before you speak to us. A lender's actual position depends on the valuation, the asset, the borrower, and current credit appetite.
What is Interest Coverage Ratio (ICR) on a lease doc loan?
ICR measures how many times the net rental income covers the loan interest. Most commercial lenders want an ICR of at least 1.5x to 2.0x. The lease doc calculator works the maximum loan back from your net rent, the test rate, and the required ICR.
Do I need to read the numbers before calling you?
No. The calculators are there if you want to model a scenario yourself first. If you would rather just talk it through, call us. We will tell you when not to borrow.
Start the Conversation
Modelled a scenario? Let's pressure-test it.
Use the numbers to frame the question, then talk to us. We turn the scenario into a real submission to the right lenders — and we'll tell you when not to borrow.
Contact Details
Phone
02 6188 9849
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion