Knowledge Centre · Metrics
Finance Metrics
Standard definitions, formulas, and worked examples for the core leverage metrics that govern specialist property finance decisions.
Loan to Gross Development Value
The primary leverage metric in development finance. Measures gross facility as a percentage of GDV and governs lender appetite.
Gross Facility ÷ GDV
Loan to Cost
Total borrowing expressed as a percentage of total project cost (purchase + build). Determines day-one and build-period leverage.
Loan ÷ (Purchase + Build Cost)
Loan to Value
Day-one purchase advance relative to current or purchase price. The foundational metric for bridging and auction finance.
Loan ÷ Purchase / Current Value
Gross Facility
Total lender exposure including advances, arrangement fee, exit fee, and funded interest. The full repayment obligation.
Advances + Arr. Fee + Exit Fee + Interest
Retained Interest
Interest reserved upfront and deducted from the advance rather than compounded on exit. Reduces net advance; preserves gross facility.
Loan Amount × Monthly Rate × Term
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