Rolled-up and retained interest produce very different total costs and very different cash-flow profiles on the same nominal rate, and a borrower choosing between them is choosing between paying now and paying at exit. A calculator that models one structure answers half the question. The ICR stress test is the other genuinely useful one: buy-to-let lending is decided at a stressed rate, not the product rate, so an affordability figure calculated at the pay rate is optimistic in a way that gets applications declined. These are calculators — the outputs are only as current as the rules and stress assumptions encoded in them, and this is a broker's own tooling rather than advice about which product suits anyone.
Four UK property finance calculators covering the cases a commercial broker actually models: bridging, development viability, buy-to-let affordability, and stamp duty.
- bridging_cost_analyser prices the loan across rolled-up, retained and other interest structures — the choice that changes the total far more than the headline rate does.
- development_appraisal models a scheme's viability including land, build and the rest of the cost stack.
- btl_stress_tester runs an interest coverage ratio test, calculating ICR at the product rate and at the stressed rate lenders actually apply.
- uk_stamp_duty_calculator covers the England and Northern Ireland transaction tax.
Nothing to supply.
One command — npx -y @fdcommercial/property-finance-mcp