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Typical 7.0–8.5% for construction loans (April 2026)
Most lenders fund 65–75% of total project cost
Single dwelling: 10–16mo · Duplex: 14–20mo
Time from completion to settlement. Off-the-plan: 0.
Sydney typical 1.8–2.5% of sale price
Revenue
Current market value on completion — be conservative
Leave at 0 for conservative estimate. Applied to sale price over construction period.
Project Summary
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Total All-In Cost
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Gross Revenue
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Net Profit
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Margin on Revenue
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Profit on Cost
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Return on Equity
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Annualised ROI
Full Cost Breakdown
Hard Costs
Soft Costs
Finance & Selling Costs
Total All-In Cost—
Funding Structure
💡 Construction loan note: Funds advance in progress draws (typically 5 stages) matched to your builder's payment schedule. Interest is only charged on the drawn balance — so your actual interest cost is lower than a traditional loan of the same size.
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Construction loans are specialised — wrong structure costs tens of thousands. John accesses 50+ lenders including specialist construction lenders with competitive rates and flexible draw schedules.
Estimates only. Not a substitute for a full development feasibility study. Interest costs estimated using 60% average progressive drawdown. Always verify with your builder, accountant, and solicitor. Lend & Loan (ACL 511092) provides credit assistance only — not financial, legal, or tax advice.