Private lending › Calculators
Calculators
Two tools for the questions that come up before a first call: what a bridge will actually cost, and how much equity a property will release.
Calculator one
Bridging calculator
Peak debt, capitalised interest and the end debt left once the outgoing property sells. Includes a rate and term, so you can see what the bridge costs over its real life rather than just the headline figure.
Use it when you are buying before you sell, or carrying two properties across a settlement gap.
Open the bridging calculatorCalculator two
Second mortgage calculator
How much equity sits above the first mortgage, what your combined LVR becomes, and whether the amount you need actually fits inside the ceiling.
Applies equally to second mortgages, caveat loans and commercial facilities — all three are constrained by the same combined position.
Open the second mortgage calculatorBefore you rely on a number
What these tools are good for
They are good for ruling things in and out quickly. If a deal is comfortably inside 80% combined, it is worth a conversation. If it is well past it, the arithmetic will not be rescued by a phone call, and you have saved yourself a week.
What they cannot tell you is which lender will fund it. Two funders looking at identical ratios will price them differently, take different views on the security, and move at different speeds. That part is not published anywhere — it is learned by placing deals, and it is the reason to use a broker rather than approaching a funder directly.
If the numbers stack up, tell us the security, the amount and the exit, and we will come back with indicative terms the same day.
These calculators are a guide, not an offer. Actual lending depends on a valuation, the security type and location, the strength of your exit and each lender's own policy. Nothing here takes your objectives, financial situation or needs into account.
Enquire
Put real numbers in front of a lender.
Indicative terms the same day. No credit check to get a quote.
Get indicative termsOr call 0478 715 429.