Development Finance (GDV) Calculator

An indicative GDV appraisal: total development cost, profit, profit-on-cost and profit-on-GDV margins, and an indicative maximum facility by loan-to-GDV and loan-to-cost. Indicative only — not a quote, a credit decision or advice.

Your scheme

The figures shown are example placeholders to illustrate how the calculator works — replace every one with your own numbers. They are not market rates, lender criteria or a recommendation.

Land / purchase cost price paid for the site

Construction / build cost total build, ex-fees

Professional fees architect, engineer, PM, etc.

Contingency % of build cost (example: 5–10)

% of build

Finance costs est. interest + fees (optional)

Selling / disposal costs % of GDV (example: 1.5–3)

% of GDV

GDV — gross development value projected finished sales value

Max loan-to-GDV your assumption (example: 65)

% of GDV

Max loan-to-cost your assumption (example: 90)

% of cost

Indicative appraisal

Recalculates as you type. All figures are indicative and rounded.

Costs

Land / purchase cost—

Build cost—

Professional fees—

Contingency—

Finance costs—

Total development cost (TDC)—

Sales & profit

GDV (projected sales)—

Selling / disposal costs—

Indicative profit—

Profit on cost—

Profit on GDV—

Indicative maximum facility

By loan-to-GDV cap—

By loan-to-cost cap—

Lower of the two (binding cap)—

Does it stack? Enter your figures above to see an indicative view.

Get real terms on these figures

This calculator is for general guidance only. The results are indicative, illustrative figures based on the numbers you enter — they are not a quote, a credit decision, a personal illustration or financial advice, and they do not represent any specific lender's criteria or terms.

Actual leverage, costs and viability depend on the lender, the product, the scheme, the professional team, the exit and a full underwriting assessment. Development finance is not regulated by the Financial Conduct Authority. Figures such as the contingency, selling-cost, loan-to-GDV and loan-to-cost percentages are configurable examples, not market rates or guarantees. Property development carries risk, including cost overruns, delays and the risk that the finished scheme sells for less than projected; your security is at risk if the loan is not repaid.

Propertyze is a trading style of City Finance Brokers Ltd, authorised and regulated by the Financial Conduct Authority (FCA No. 766295). We conduct both regulated and unregulated business, so not all products provided through us are regulated by the FCA. Speak to a specialist before relying on any figure.