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Strategic Tool

Development Appraisal
Calculator

Model your project economics in seconds. Adjust land cost, build costs, finance terms and GDV to see profit margins, viability and funding structure — instantly.

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Development appraisal calculator

Acquisition

£500,000
£100k£20m

SDLT (commercial): £14,500

Construction

£150
£80/sqft£400/sqft
5,000
500 sqft100,000 sqft

Total build: £750,000

10%
7.5%

Finance

18m
6m36m
0.85%
0.50%1.50%
2%

Sales

£1,500,000
£200k£50m
3%

Below Typical Lender Thresholds

-6.2% profit on cost (most lenders require minimum 15-20%)

Development Appraisal

Acquisition

Land cost£500,000
SDLT£14,500

Construction

Build cost (5,000 sqft × £150)£750,000
Professional fees (10%)£75,000
Contingency (7.5%)£56,250

Finance

Interest (0.85% × 18m)£128,130
Arrangement fee (2%)£18,145
Monitoring surveyor£5,000
Lender legal + valuation£6,500

Sales

Sales & marketing (3% of GDV)£45,000
Total Project Cost£1,598,525
GDV£1,500,000
Developer Profit-£98,525

Profit on Cost

-6.2%

Profit on GDV

-6.6%

Est. Senior Debt (65% LTC)

£907k

LTV: 60%

ROCE

-18%

Return on equity

Indicative only. Finance costs assume ~60% average drawdown over the term. SDLT calculated at commercial rates. Actual costs, rates and structures will vary. Professional fees, contingency and sales costs are estimates — adjust to reflect your project.

Beyond The Numbers

How we use this appraisal

This calculator gives you a quick snapshot. When you work with us, we go much deeper.

1

Detailed Appraisal

We build a comprehensive development appraisal with full cashflow modelling, phased drawdowns, and sensitivity analysis across multiple scenarios.

2

Lender Presentation

Your appraisal is packaged into a professional lender presentation alongside planning documents, build programme, and your track record — ready to go.

3

Optimal Structure

We identify the optimal capital structure — senior debt, mezzanine, equity — to minimise your cash input while maximising returns. Not just one lender, the right stack.

Like what the numbers say?

Send us your appraisal and we'll come back to you within 24 hours with indicative terms from our lender panel.

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