Property finance calculators built for UK property professionals. Bridging cost analysis, development appraisal, buy-to-let stress testing and stamp duty across the UK. Free, no login, no data collection.

Fox Davidson Property Finance Calculators is the toolkit we use ourselves when stress-testing deals before presenting them to lenders. Built for brokers, developers, landlords and investors working at £250,000 and above.

WHAT'S INSIDE

▸ Bridging Cost Analyser
Compare the true all-in cost of rolled-up, retained and serviced interest structures side by side. Enter loan amount, monthly rate, term and fees. The app shows total cost of borrowing, effective APR and a structure-by-structure comparison so you can see when a "low rate" headline is actually costing more than the higher rate alternative. Useful for refurbishment finance, auction purchases, chain break bridging and development exit deals.

▸ Development Appraisal
GDV, land cost, build cost, professional fees, contingency and finance details in. Profit, profit on GDV, profit on cost, LTC, LTGDV and a green/amber/red viability flag out. Built around the standard developer return thresholds: 20% profit on GDV is viable, 15 to 20% is marginal, below 15% is unviable. The fastest sanity check before you spend money on planning or commit to a bid.

▸ BTL Stress Tester
Tests gross monthly rent against the three ICR thresholds lenders actually use: 125%, 145% and 170%. Tells you whether your scenario passes at each level and the maximum loan you could secure. Covers personal name and limited company SPV ownership. Relevant for standard buy-to-let, HMO and MUFB lending.

▸ Stamp Duty Calculator
Full UK coverage. SDLT for England and Northern Ireland, LBTT for Scotland and LTT for Wales. Handles residential, commercial and mixed-use property across all buyer types: standard purchasers, first-time buyers, additional dwellings, company purchases. Banded breakdown and effective rate displayed.

WHO IT'S FOR

Property investors, landlords, developers, finance brokers, accountants, solicitors and anyone working at the commercial end of UK property finance. Calculations are accurate to the rates and rules current at the time of release. Always verify with your broker or solicitor before exchange.

WHO BUILT IT

Fox Davidson is a specialist UK mortgage and property finance broker, advising since 2005. We arrange residential mortgages, bridging loans, development finance, commercial mortgages and buy-to-let for clients across the UK, from £250,000 to £250 million plus. Ten more free calculators at foxdavidson.co.uk/calculators.

WE DON'T COLLECT YOUR DATA

No login. No email capture. No analytics tracking individual users. Calculations run entirely on your device. The only network calls the app makes are to load the calculator interface and check for updates.

WHAT'S NEW IN THIS VERSION

▸ Fox Davidson branding throughout
▸ Rate the App link in the About panel
▸ Send Feedback link for direct contact with the team
▸ Share the app for sending to colleagues in seconds

NEED FINANCE?

If the numbers stack and you want to put the deal in front of lenders, call Fox Davidson on 03300 100313 or visit foxdavidson.co.uk. Residential, bridging, development finance, commercial mortgages and buy-to-let from £250,000.

KEYWORDS

stamp duty calculator UK, bridging loan calculator, buy to let calculator, BTL calculator, commercial mortgage calculator, property finance calculator, developer profit calculator, GDV calculator, LTGDV calculator, LTC calculator, SDLT calculator, LBTT calculator, LTT calculator, ICR calculator, DSCR calculator, mortgage calculator UK, property development appraisal, HMO calculator, MUFB calculator, second home stamp duty, first time buyer stamp duty, additional dwelling supplement, bridging loan rates, development finance, refurbishment finance.