Development exit loan calculator
Model a development exit loan against the finished value of your scheme. Work out the gross facility, the net advance once fees and retained interest come off, the cash released after clearing your development lender, and the indicative monthly carry you would save against development finance.
A development exit loan is sized on the value your scheme reaches at practical completion, then trimmed by the arrangement fee and the interest set aside for the term. Enter the gross development value, the balance still sitting with your development lender, and a set of indicative terms. The calculator returns the gross facility, the net day-one advance, the cash released once the development lender is cleared, the monthly carry, and, when you add your current development finance rate, the indicative saving. Start here so you walk into the conversation with a number you can defend.
- Gross loan (LTGDV cap)£0
- Arrangement fee£0
- Retained interest (term)£0
- Repay development lender£0
- Equity released£0
- Monthly carry (exit loan)£0
- Monthly saving vs dev finance£0
Indicative figures only, and not financial advice or a finance offer. Any retained interest is credited back if the loan redeems early.
The maths behind each line
- Gross loan = GDV × the max loan to GDV. This sizes the facility against what the finished scheme is worth.
- Arrangement fee = gross loan × fee percent, deducted up front.
- Retained interest = gross loan × monthly rate × term, set aside up front so you are not servicing interest as the units sell.
- Net day-one advance = the gross loan minus both the arrangement fee and the retained interest.
- Equity released = that net advance minus the balance owed to your development lender, when the result is positive.
- Monthly saving = (your current development finance rate minus the exit loan rate) × the gross loan.
The gross loan shown here is the loan-to-GDV cap alone. On a live case the lender also weighs the valuation, the comparable sales evidence and the type of property, so read the output as a sizing model, not a lending decision. For the mechanics behind the leverage, our guide at loan to GDV and LTV explained unpacks how the two measures differ, and development exit finance interest rates covers what drives the monthly cost. The product itself sits on our development exit loans page.
Development exit loan calculator: your questions
What figures do I need before I run this calculator?
Four numbers get you a useful result: the gross development value of the finished scheme, the balance still owed to your current development lender, the loan to GDV you want to test, and an indicative monthly rate. Add a term in months and an arrangement fee and the tool models the full facility. If you also drop in the rate you are paying on development finance today, it shows the indicative monthly carry you would save by moving. Every output is illustrative and never an offer of finance.
Why does the net advance come out lower than the gross loan?
Two deductions sit between the gross loan and the cash that reaches you on day one. The arrangement fee is taken up front, and on most exit bridges the interest for the whole term is held back rather than paid monthly, so your cash is not drained while units sell. The calculator subtracts both from the gross loan to show the net day-one advance. If the facility redeems early because sales complete ahead of plan, the unused retained interest is normally credited back.
Can a development exit loan hand back cash above what I still owe?
It can, and the calculator shows this as equity released. Once the net advance clears the balance owed to your development lender, anything left over is money you can draw. Developers commonly use it to repay investors, cover fit-out on unsold units or fund the deposit on the next site. Whether the headroom exists depends on the finished value, the leverage a valuer supports and the property type, so treat the figure as a sizing guide rather than a promise.
What monthly cost should I plan for while the units sell?
The monthly carry line shows the interest accruing on the gross loan at the rate you enter. On a retained-interest bridge you are not writing a cheque each month, but that carry still eats into your net sale proceeds, so it is the number to watch against your sales timeline. The longer the scheme takes to sell, the more of the retained pot is used. Pricing across the market sits indicatively between 0.65 and 0.95 percent per month depending on the lender, the leverage and the strength of the exit.
How close is this estimate to a real quote?
It is a sizing model, not a decision. A lender underwrites the valuation, the sales evidence, the property type and your track record before setting a figure, and any of those can move the number up or down. Use the tool to arrive at a grounded starting point, then send us the scheme. We arrange and place the facility right across the lending market and revert with our read on the scheme's fundability, plus likely terms, inside one working day.
More tools and finance
Net development value calculator
Work out the value your scheme reaches at completion, the figure this loan is sized against.
Open →Bridging cost calculator
See the full cost of a bridge over the term: interest, fees and the redemption figure.
Open →Development exit loans
The facility itself: clear development finance at completion and fund the sales run-off.
Learn more →Ready to size a live scheme?
Send over the scheme and its finished value. The desk will test it against live lender appetite and reply with an indicative range by the next working day.