Calculator
See your loan in real time
Enter your acquisition price and TBE valuation. We'll show your maximum facility, application fee and equity required.
Three-stage finance model
Land loan → build loan → refinance.
Subject to commercial valuation. We lend on the floor; ceiling drives refinance upside.
Stage 1 · Land loan
Initial acquisition of land or existing house.
Client deposit (20%)
$120,000
We lend (80%)
$480,000
VIC stamp duty
Your cash in
$275,791
Total client equity required
At settlement
$209,611
During build
$66,180
Your cash out
$260,000
Equity released on refinance
New facility
$1,520,000
Net position
-$15,791
Land loan
7%Loan amount
$480,000
App fee (2.5%)
$12,000
Equity in
$120,000
Interest (3 mo)
$8,400
Build loan
8%Available @ on-completion LVR
$1,260,000
Payout 80% land loan
$480,000
App fee (new money only)
$19,500
Available for build
$692,820
Capitalised interest
$67,680
Upside at ceiling
+$70,000
Refinance @ 80%
8.94%End-of-build debt
$1,260,000
New facility
$1,520,000
Equity released
$260,000
Monthly interest only
$11,324
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Project summary
The whole deal at a glance
Total project cost
$1,428,211
On-completion value
$1,900,000
Gross profit on cost
$471,789
33.0% margin
Total cash invested
$275,791
Equity released at refi
$260,000
Net cash position
-$15,791
-5.7% cash-on-cash
Gross rental yield
8.13%
$154,440/yr
Interest cover
0.91×
-$1,028/mo shortfall
Cashflow timeline
| When | Event | Cash in | Cash out | Cumulative |
|---|---|---|---|---|
| Mo 0 | Settlement (equity, stamps, fees, pre-build) | — | ($209,611) | -$209,611 |
| Mo 1–12 | Construction (top-up, furnishing, val fee) | — | ($66,180) | -$275,791 |
| Mo 15 | Refinance — equity released | $260,000 | — | -$15,791 |
| Mo 15+ | Monthly net rent − interest (ongoing) | — | ($1,028) | -$16,819 |
| Refinanced facility · monthly interest only | $1,520,000 @ interest | $11,324/mo | ||
Construction assumed 12 months. Cumulative position resets to zero on day one; refinance row shows equity returned to your pocket. Ongoing row is steady-state monthly cashflow after stabilisation.
Built for rooming house developers
Two facilities, one streamlined process — from settlement through to practical completion.
Acquisition funding
Up to 80% LVR on the land or existing house. Fast indicative offers from your address and price.
Construction funding
Up to 70% of the on-completion valuation, drawn down progressively as your build hits milestones.
Transparent fees
A single 2.5% application fee on the loan amount. No surprises mid-build, no shifting goalposts.
Ready to get an indicative offer?
Send us your numbers and we'll come back the same business day.