Property Project Calculator
Property Project Calculator: use this tool to test the financial structure of an income-producing property purchase, refurbishment or refinance, including short-term funding and a later refinance onto longer-term borrowing.
It brings together purchase costs, works, SDLT, short-term finance, property income, completed value, refinance proceeds and cash left in the project. It can be used for residential, HMO, multi-unit, commercial and semi-commercial investment property, provided the project is intended to be retained and refinanced. It is an initial appraisal rather than a lending decision.
Dashboard
At-a-glance summary of total project cost, net income yield, return, refinance and cash position.
Inputs
Enter the property value, acquisition costs, short-term finance, works budget, refinance terms and property income.
Detailed Outputs
Full breakdown of funding cost, completed value, refinance position, income and indicative return metrics.
Cashflows
Month-by-month cash flow through the short-term finance period and into the longer-term refinance.
A note on accuracy
We have taken care to refine the underlying logic of this analyser. However, property finance calculations are sensitive to assumptions about acquisition costs, works, finance terms, valuation, property income, operating costs and refinance criteria. The results should therefore be treated as estimates rather than guarantees. Actual costs, rates and returns will depend on the lender, property and circumstances of each transaction. This tool is intended for income-producing property projects that are retained and refinanced. It is not a full development appraisal and does not model staged development drawdowns, sale exits or tax. The calculator does not replace lender underwriting or professional advice. If you would like to discuss a live case, please get in touch directly.