FD Commercial - Property Finance Calculators

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FD Commercial - Property Finance Calculators is a free app covering the four finance calculations most commonly needed by UK property professionals before committing to a transaction. The app covers four areas where property deals most commonly require accurate finance modelling before commitment: Bridging Cost Analyser: Compares the true all-in cost of rolled-up, retained and serviced bridging interest structures. Enter your loan amount, monthly rate, term and fees. The tool outputs total cost of borrowing, effective APR and a side-by-side comparison table. Relevant for any transaction where the interest structure affects viability — refurbishment projects, auction purchases, chain break scenarios. Development Appraisal: Full project viability calculator. Enter gross development value, land price, build costs, professional fees, contingency percentage and development finance details. Output: profit figure, loan-to-cost ratio and a green/amber/red viability assessment based on standard industry thresholds (20%+ GDV = viable, 15-20% = marginal, below 15% = unviable). BTL Stress Tester: Tests rental income against lender ICR thresholds at 125%, 145% and 170%. Calculates maximum borrowing at each threshold for a given monthly rent and product rate. Covers standard BTL, HMO and MUFB lending scenarios. Stamp Duty Calculator: Full UK coverage — SDLT (England), LBTT (Scotland) and LTT (Wales). Handles residential, commercial and mixed-use property across all buyer types. Banded breakdown and effective rate displayed. Designed for minimum loan sizes of £250,000. Built by FD Commercial, specialist commercial and bridging finance brokers. Free to use, no account required.