Project Details
Indicative modelling only—not a quote, offer or credit approval. ACL 570391.
Indicative results
Enter the required figures to calculate your scenario.
Outputs are estimates only. They are not a quote, offer, credit approval, financial advice or tax advice. A lender’s actual position depends on valuation, asset, borrower and current credit appetite.
Reference
Understanding the numbers
Total Development Cost (TDC)
Land, construction, professional fees, contingency, capitalised interest and line fees.
Gross Realisation Value (GRV)
The estimated total end value of the completed units or lots when sold.
LVR on GRV
Loan-to-value measured against GRV. Senior lenders commonly assess a maximum range around 65–70%.
Lend-to-TDC
The percentage of total development costs covered by debt. Well-structured projects are often assessed around 75–80%.
Profit Margin
Lenders commonly look for a sufficient profit buffer, often around 15–20% of TDC depending on the deal.
Peak Debt
The maximum outstanding balance during the project, generally before completed stock begins settling.
Questions
Before you rely on a number
What does this development funding calculator show?
It estimates total development cost, indicative senior debt, equity required, shortfall, profit and key LVR/TDC metrics.
Is this a funding approval?
No. It is indicative modelling only. A lender will assess valuation, feasibility, borrower strength, presales and current credit appetite.
