Home → Calculators
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, valuation, borrower, or which lenders are genuinely active this week. We do.
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, property value and lender test rate.
Indicative result
$1,600,000
Indicative only. Lenders apply their own test rate, minimum ICR and LVR caps, and require valuation and lease verification.
The full set
Every calculator we offer.
Four tools across commercial property, development and medical practice. More to come.
commercial
Development Funding Calculator
Estimate total project costs, funding structure, equity required, and key lending metrics like LVR on GRV and lend-to-TDC.
Open tool →02commercial
Lease Doc Calculator
Work the maximum commercial loan from net rental income and Interest Coverage Ratio (ICR), with LVR analysis and term estimates.
Open tool →03commercial
Property Valuation Calculator
Estimate net operating income, cap rate, gross yield and net yield for a commercial property scenario.
Open tool →04business
GP Income & Practice / JV Model
Model a GP's real take-home — gross, service fee, net — and test whether a practice joint venture covers its overhead.
Open tool →Questions
Before you rely on a number.
Are these calculators a loan offer or approval?
No. Every calculator is an indicative modelling tool only. A lender's actual position depends on the valuation, asset, borrower and current credit appetite.
What is Interest Coverage Ratio (ICR) on a lease doc loan?
ICR measures how many times net rental income covers loan interest. Commercial lenders commonly assess a minimum ICR before sizing a lease doc facility.
Do I need to read the numbers before calling you?
No. Use the tools to frame the question, or speak to us first. We will tell you when not to borrow.
