Madison Carter Finance
Deal Analyser BETA
Development Finance
GDV / LTC working sheet
GDV / LTC working sheet
Deal inputs
£
£
£
£
%
%
£
£
£
£
Cost of debt
%
#
%
%
£
Interest is charged only on funds actually drawn — not the full entitled facility. Acquisition tranche is treated as fully drawn day 1; the build tranche averages 50% utilisation over the term, since it's not fully drawn until the final stage payment.
Loan-to-cost bridge
Total Development Cost£0
Loan (net of retained interest)
Equity required
LTC — loan to cost
0%
loan ÷ total development cost
LTV on GDV
0%
loan ÷ GDV
Profit on cost
0%
(GDV − TDC) ÷ TDC
Profit on GDV
0%
(GDV − TDC) ÷ GDV
Net GDV after selling costs£0
Total development cost£0
Profit before finance costs£0
Cost of debt breakdown
Total interest
£0
acquisition + staged build tranches
Fees (arr. + exit + surveyor)
£0
on loan amount + monitoring
Total cost of debt
£0
interest + fees
Net profit after finance
£0
0% on cost
Both figures are calculated on the same basis (actual drawn balances over the term), so effective cost is always the higher of the two — the gap is purely the fee load. The blended rate is naturally below the headline monthly rate × 12 whenever part of the loan is drawn late, since that portion accrues interest for less time.
Retained interest deducted from loan proceeds£0
Serviced interest paid monthly by borrower£0
Net loan proceeds after retained interest£0
Interest rate blended, on actual loan usage — no fees0%
Effective annualised cost of debt interest + all fees, spread over the term0%
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