Calculators

Five calculators built the way funders actually underwrite

Run the stack, the split and the margin on your own numbers before anyone else does it to you.

Every funding conversation on a development scheme comes down to the same handful of numbers: how much debt the scheme supports, what the gap above it costs to close, and whether the margin pays everyone in the queue. These five calculators run that arithmetic the way lenders and equity partners actually do it, senior debt capped by loan to cost and loan to GDV, mezzanine topping up to a combined ceiling, priority returns accruing before any profit is split.

Start with the capital stack calculator to see the shape of your funding, then test the specific decision in front of you: how close to 100 per cent funding the scheme can get, what a JV partner's terms would leave you, whether mezzanine beats equity on your numbers, and whether the profit clears the 17.5 per cent line lenders test and the 20 per cent line partners do.

Outputs are illustrative estimates, not quotes or advice. When the numbers look right, send us the appraisal and we will tell you what funders will actually offer against them.

Capital stack calculator

Layer senior, mezzanine and equity on your scheme: blended cost of capital and the cash you need in.

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100% development finance calculator

How close to 100% funding your scheme can get, and what the equity gap costs to close.

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JV profit split calculator

Profit per party under a priority return and split: your £ profit and return on cash.

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Mezzanine cost calculator

Total cost of a mezzanine facility against the profit you would give up to a JV partner instead.

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Development profit calculator

GDV, profit on cost, return on equity and a simple IRR over your build and sales period.

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Enquiry

Talk through your scheme

Same-business-day callback. Fee-free initial consultation. Access to 100+ development lenders, mezzanine funds and equity partners.

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Worked example

A scheme with a £2,400,000 GDV and £1,700,000 of land and build costs could support senior development finance of around £1,105,000 (65% of cost, from 8.95% per annum), a mezzanine top-up of around £425,000 to 90% of cost, leaving an equity slice of roughly £350,000 to be funded in cash or by a JV partner in return for a profit share. Rates correct as of June 2026. Illustrative only; actual leverage, pricing and structure vary by scheme, experience and location.

Funding panel and fees

We work with a panel of 100+ development lenders and funding partners, spanning senior lenders, stretch senior and mezzanine funds, family offices and private equity investors. Initial consultation is fee-free. We charge a success fee as a percentage of the total capital arranged, payable only on completion. On debt tranches the lender's procuration fee is taken first and offset against our fee. No fee at all if your deal does not complete. Exact figures are confirmed in writing before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We act as an introducer and capital-stack arranger for property developers, not as a lender or investment promoter. We arrange non-regulated development finance, bridging and commercial facilities, and introduce developers to joint venture and equity funding partners. We do not promote investment opportunities to investors. Where any element of a transaction constitutes a regulated activity, including arranging deals in investments, it is carried out by, or referred to, an appropriately authorised firm.