Calculators
Calculators designed for clarity
Six tools that model the mechanics of a scenario the way a lender or a disciplined investor actually would. Work the numbers, then have the real conversation.
The approach
Model it before you commit
Practical tools that show the mechanics a lender or investor actually applies.
The tools
Run the numbers
Feasibility, cost of capital, serviceability — your figures.
Feasibility & cost
Residual land value & true cost
What a site carries and what finance really costs.
Yield & cover
DSCR, investor yield, stress
Does the deal stack at the assessed rate?
Caveat
A starting point, not an answer
Indicative modelling — the decision is a conversation.
Residual land value
Development Feasibility
Work backwards from end value to the maximum you should pay for a site.
Open calculatorThe real cost of speed
Bridging & Caveat Cost
See what short-term capital actually costs once fees are in the number.
Open calculatorDoes the deal stack?
Commercial DSCR & Stress Test
Test a commercial property against the serviceability a credit committee will apply.
Open calculatorCapitalised interest, exposed
Construction Drawdown
Model staged drawdowns and the interest most builders underestimate.
Open calculatorBeyond the headline rate
True Cost of Capital
Convert a headline rate plus fees into one honest effective rate.
Open calculatorPrivate lending returns
Investor Yield
Model gross, net and after-tax yield on deployed private credit.
Open calculatorWhat it costs to hold
Home Loan Repayment
See repayments, total interest and how the balance falls over time.
Open calculatorWhat you could borrow
Borrowing Power
Estimate borrowing capacity from income, expenses and commitments.
Open calculatorWhere the money goes
Budget Planner
Map income against expenses and see your real monthly surplus.
Open calculatorThe upfront tax
Stamp Duty (Estimate)
Estimate transfer duty and government fees by state and buyer type.
Open calculatorEquity you can use
Home Equity
See total and usable equity, and what it could let you borrow.
Open calculatorConvert with the spread in view
Foreign Exchange
Convert currencies and see the cost of the margin on the rate.
Open calculatorThese tools provide general information and indicative modelling only. They are not financial, credit, tax or investment advice. Capital Unique does not hold an Australian Credit Licence and provides services for wholesale and commercial scenarios only.
Beyond the numbers
Numbers tell part of the story
Calculators give you a starting point. The real conversation begins with understanding your situation, structure and timing.