Development feasibility calculator.

Test your project the way a lender will. Margin on cost, peak debt, IRR, duty, land tax and GST, for every Australian state and territory, free to use.

Free feasibility tool

Know whether it stacks up before a lender tells you

This development feasibility calculator works out whether an Australian property project makes money, and whether it is likely to be fundable, before you spend on design, planning or a finance application. Describe the site and what you plan to build. It returns margin on cost, peak debt, required equity, IRR and a break-even price, with transfer duty, land tax and GST worked out for the state the site is in.

It is built for landowners, first-time and repeat developers, and investors weighing a build against a hold. Every figure can be traced back to its working, so you can check it, change it, and take a set of numbers to your accountant, quantity surveyor or lender that holds up to questions.

The calculator

Pick a mode and run the numbers

Choose what you plan to do with the property. Each mode asks the questions that matter for that goal and judges the result on the measure a lender would use for it: margin for a project you sell, income and debt cover for one you keep.

Build and sell. You get an indicative margin on cost, and what the land would have to cost for the project to work.

The embedded calculator runs three steps and shows the answer straight away. Select Continue in the full tool to carry your answers into the full calculator, which adds quality and risk, tax and timing and a report. To find out whether a lender would fund it, create a free Siare account and run the fundability assessment on the same numbers.

Open the full calculator

The calculator above opens in Develop to sell. To use another mode, open the full calculator.

Indicative feasibility tool, not financial advice. Property data are estimates, not a valuation, and finance figures are indicative benchmarks, not a credit decision or an offer of finance.

Will a lender fund it? A free Siare account runs the fundability assessment on your numbers — what a lender would advance at the lower of LVR and loan-to-cost, around 30 lender-style checks and a funding stack including mezzanine. It also saves your feasibility so you can come back to it, test scenarios and sensitivity, and see the cashflow and peak-debt chart. Create a free account

What it does

What the development feasibility calculator does

One engine sits behind all five modes. It prices the project from the address down, runs the finance month by month, and shows its working on every line.

Five modes, each judged properly

Develop to sell, develop to hold, buy to hold, build or buy to live in, and renovate. A project you sell is judged on margin on cost against your target, 18% by default. A project you keep is judged on rent, debt cover, value against cost, and yield on cost against the cap rate.

Starts from the address

An address search sets the state, the duty and land tax schedule and the build-cost region, or you can pick them by hand. Where a property record exists it pre-fills current value, site area, floor area, bedrooms, bathrooms, weekly rent and age, each labelled as an estimate. The purchase price is never pre-filled.

All eight states and territories

2026-27 transfer duty and land tax for residential and commercial property, builder warranty, council contributions per dwelling, building classification rules, approval pathways and cost regions across Australia. Planning lookups run in NSW, VIC, WA, SA and selected Queensland councils.

Build rates by location

Construction rates are indexed by capital city and regional town. In the full tool, quality level from Budget to Ultra-luxury, slope, soil class, bushfire attack level and a fixed-price or cost-plus contract all feed into the cost.

Finance modelled month by month

Costs follow an S-curve across the program. Equity goes in first, then debt, with interest charged mid-month and interest, line fees and establishment fees capitalised into the loan. You see peak debt and the month it lands.

GST handled three ways

Margin scheme (the default), full GST or no GST, with input tax credits on costs. A renovated home is treated as an input-taxed sale unless the work counts as a substantial renovation.

Every figure shows its working

In the full tool, open any cost or statutory line to see how it was calculated: a confidence badge, a plausible range, the arithmetic, the source, and a prompt to verify that figure yourself.

A verdict, two scores and a market check

A live verdict of Feasible, Marginal or Not feasible, with the reason. An indicative Feasibility score and Fundability score out of 100, each showing what moved it. Suburb sale and rent medians test whether your prices and rents are supported.

Reports you can take away

A PDF report by email, summary and cashflow CSV files, a share link and a print view. Save your progress without an email, or create a free account and carry the numbers in.

How to use it

From address to verdict in six steps

The embedded calculator takes about a minute for a first read. The full tool takes longer because it asks the questions a lender will ask later anyway.

1

Choose the mode

Select the tab that matches the plan. The mode decides which measure judges the result: margin for a sale, income and debt cover for a hold.
2

Describe the site

Search the address, then confirm the purchase price, site area, frontage and any easement. Auto-filled values are labelled as estimates, so replace them with your own figures where you have better evidence.
3

Describe the project

Duplex, townhouses, apartments, house and land, subdivision, renovation or extension, mixed-use or commercial. Enter the number of dwellings, their average size and the expected sale price per dwelling, or the rent if you plan to hold.
4

Read the verdict

The Does it stack up? step shows the verdict, the headline figures and the two scores, and updates as you change an input. On a phone the verdict docks at the bottom of the screen.
5

Continue in the full tool

Quality and risk covers contract type, quality level, slope, soil class, bushfire attack level, funding level, design stage (which sets contingency) and an overrun buffer. Tax and timing covers land tax, GST treatment, title type, duration (22 months by default), target margin and presales.
6

Take the report, then test the finance

Your report comes as a PDF, CSV files or a share link. With a free Siare account you can then run the fundability assessment: roughly 30 lender-style checks, including LVR tiers, an 80% loan-to-cost cap and a 15% margin covenant, and a sketch of the funding stack. Create a free account.

Reading your results

What your results mean

Each headline number answers a different question. A project can clear one test and fail another, which is usually where the useful conversation starts.

Margin on cost and margin on revenue

Margin on cost is profit divided by total development cost. Margin on revenue is the same profit divided by revenue, so it always reads lower. Say which one you mean. A cost and feasibility report published by the NSW Government assumes developers need a margin of around 18%, typically 17–20%. Development margin explained.

Pay no more than

The most you could pay for the site and still hit your target margin. Valuers and developers call the idea residual land value: end value, less every cost and the profit you need, leaves what the land can carry. If the asking price is above it, the deal needs a cheaper site, a better scheme or a lower target. See residual land value explained.

Peak debt and required equity

Peak debt is the highest the loan balance reaches, shown as Highest in month N. On a project you sell it typically lands late in construction, once interest has capitalised and before settlements repay the loan. Required equity is what you put in before the lender funds the rest. Plan your cash around both.

IRR, equity multiple and return on equity

Margin ignores time; IRR does not. The same profit earned over 30 months is a weaker result than over 18. The calculator annualises IRR and shows the equity multiple, what each dollar of equity returns, with return on equity alongside.

Break-even

Break-even per dwelling is the sale price at which the project stops making money, shown as how far prices can fall before you lose money. It is the quickest read on how much room the project has for a soft market or a low valuation.

Feasibility and Fundability scores

Two indicative scores out of 100. The Feasibility score reflects whether the numbers work; the Fundability score reflects how the project is likely to read to a lender. Each lists what moved it, so you can see which input to work on first.

Hold results

In the hold modes you see gross and net rent, gross yield, yield on cost, value on completion, annual debt service, debt service cover (DSCR), cash on cash return, the cash needed to refinance and any annual cash gap.

The lender's view

How a lender tests your feasibility

A lender does not accept your feasibility as presented. It rebuilds it. The credit team, its valuer and its quantity surveyor replace your revenue, your cost and your timing with their own figures, then size the loan against whichever test is tighter. Knowing how that rebuild runs is most of the work in preparing a feasibility for lender scrutiny.

Revenue: the valuer's GRV, ex GST

The lender's valuer sets gross realisation from comparable sales, usually on an as-if-complete basis, and the lender typically works from that figure net of GST rather than from an agent's appraisal. In a softening market the adopted value can sit below yours; see shading and adopted value.

Cost: the QS cost to complete

A quantity surveyor reviews the building contract and the budget, confirms the cost to complete and checks that contingency is adequate. Contingency of 5–10% of construction is common once the design is firm, and earlier-stage schemes commonly carry more. See what a QS report tells a construction lender.

Sizing: the lower of LVR and LTC

Senior debt is commonly sized at around 65% of gross realisation, or up to 80% of total development cost, whichever gives the smaller loan. On projects with a healthy margin, loan-to-cost usually binds. See LVR vs loan-to-cost.

Presales and debt cover

Many lenders, banks in particular, ask for qualifying presales before first drawdown. In February 2025 APRA clarified that the reference to 100% presale debt cover in its March 2017 letter was an observation of practice, not a requirement. Presale conditions remain a matter of each lender's own policy.

Capitalised interest and fees

Construction loans usually capitalise interest, so the balance grows through the build. Interest, line fees and establishment fees sit inside total development cost and count toward the loan-to-cost test. See facility limit vs drawn balance.

The margin hurdle

Lenders commonly want a minimum margin left after their own revisions. The fundability assessment in the Siare portal uses a 15% margin covenant and a 7% return-on-cost floor as benchmarks. Actual hurdles vary by lender, project and market.

Bank, non-bank and private lenders compared

Indicative only

The same project can size very differently depending on who funds it. These are broad ranges, not policy for any lender, and they move with the market. What drives the price is covered in what moves construction finance pricing.

Indicative ranges only. Terms vary by lender, location, project size, borrower and market conditions, and change over time. This is not an offer of finance, and each lender assesses each deal on its own policy.
Indicative	Bank	Non-bank	Private
LVR (of GRV ex GST)	Commonly up to around 60–65%	Commonly up to around 65–70%	Can reach around 70–75%, often with a second mortgage or mezzanine
LTC (of total cost)	Commonly up to around 75–80%	Commonly up to around 80%	Can exceed 80% with mezzanine or preferred equity, at a higher cost
Presales	Often required before first drawdown	Fewer, or none, on many projects	Rarely required; the exit is assessed instead
Pricing	Lowest margins, with tighter conditions	Higher than bank, priced to leverage, presales and builder	Highest, usually with shorter terms and more fees
Approval time	Typically the longest	Typically faster	Typically the fastest

Where mezzanine fits. When senior debt plus your equity does not reach total cost, mezzanine can bridge the gap. It is commonly priced at 10–20% plus fees, but it is drawn late, so its cost typically runs for around half the term. See a worked senior and mezzanine funding stack, how mezzanine reduces the equity you need and non-bank approval timelines.

Inputs

What goes into an Australian feasibility

A feasibility is only as complete as its cost list. These are the groups a lender expects to see, in roughly the order the money goes out. For the full method, see how to do a development feasibility, step by step.

Acquisition and duty

Purchase price, transfer duty on the state's schedule, and legal and due diligence costs. Duty falls due early, which makes it one of the first calls on your equity.

Statutory costs and contributions

Planning and building permit fees, council contributions per dwelling, authority connections, builder warranty insurance, and state charges such as the NSW Housing and Productivity Contribution.

Construction and contingency

The builder's price or a QS estimate, plus site costs for slope, soil and bushfire rating. Contingency is commonly 5–10% of construction once design is firm, and more at concept stage. In the calculator, design stage sets contingency and a cost-plus contract adds 18% for the risk you keep.

Professional fees

Architect, engineers, town planner, surveyor, quantity surveyor, project manager and any specialist reports. Commonly budgeted as a share of construction, but price the actual scope where you can.

Holding costs and land tax

Council rates, land tax, insurance and site security across the whole program, including the sell-down period. The calculator works out land tax per year and over the project on the state's schedule, using the land's classification and value.

Finance costs

Interest on the drawn balance, line fees on the facility limit, establishment fees, and the lender's valuation and legal costs. Interest capitalises month by month, so a longer build costs more than the extra months of rates alone.

Selling costs

Agent commission, marketing, legal and settlement costs, and any incentives. Leave them out and your margin is overstated by the full amount.

GST

GST on sales under the margin scheme or in full, less input tax credits on your costs. It is one of the lines most often modelled wrong.

GST

GST and the margin scheme

On new residential property sold by a GST-registered developer, GST is normally one eleventh of the sale price. Under the margin scheme, GST is instead one eleventh of the margin: broadly, the sale price less what the property cost you or its value at a set date, depending on how you acquired it. On a project where land is a large share of the value, the difference can be material.

The scheme is not automatic. You and the buyer need to agree in writing to apply it, on or before settlement, and whether it is available at all depends on how and when you acquired the property. The ATO's GST property decision tool walks through the questions.

The calculator defaults to the margin scheme and uses the simplified form: sale price less land cost, divided by 11. You can switch to full GST or no GST. Whichever basis you choose, revenue and costs must follow the same one, and a lender will check that they do. There is more on this in the GST margin scheme in a development feasibility.

Eligibility is for your accountant. Siare does not advise on whether the margin scheme applies to your project. That is a question for your accountant or registered tax adviser. Our role is to carry the confirmed position accurately into the numbers.

State by state

Duty, land tax and levies by state

Each state and territory sets its own transfer duty, land tax and development charges, and each changes them. The calculator applies the 2026-27 schedules for all eight. We do not quote rates here because they move; the links go to the official revenue office pages, which are the only figures to rely on.

Links go to official government sources. Rates and thresholds change; confirm the current position before you rely on a figure. Foreign-buyer surcharges and first-home concessions are not modelled in the calculator.
State	Transfer duty	Land tax	Also check	Planning lookup
NSW	Revenue NSW: transfer duty	Revenue NSW: land tax	Housing and Productivity Contribution, plus council contributions	Yes
VIC	SRO Victoria: land transfer duty	SRO Victoria: land tax	Windfall gains tax on rezoning, plus development contributions	Yes
QLD	QRO: transfer duty	QRO: land tax	Council infrastructure charges	Selected councils
WA	Department of Finance: transfer duty	Department of Finance: land tax	Local government development contributions	Yes
SA	RevenueSA: stamp duty	RevenueSA: land tax	Council and infrastructure contributions where they apply	Yes
TAS	SRO Tasmania	SRO Tasmania	Council and authority contributions where they apply	No
ACT	ACT Revenue Office	ACT Revenue Office	Territory development charges; confirm with the revenue office	No
NT	Territory Revenue Office	Territory Revenue Office	Developer and authority contributions where they apply	No

Duty is calculated on the residential or commercial schedule, including premium bands. Land tax depends on the land's use, its unimproved value and any exemption, all of which you can set in the full tool.

Stress test

Stress-test it before a lender does

A lender will move your key assumptions to see what the project can absorb. Do it first. Change one input at a time in the calculator, note the margin and the verdict, then put it back:

Revenue down 10%. Cut the sale price per dwelling by a tenth.
Construction cost up 10%. Use the overrun buffer in the full tool. Watch required equity as well as margin, because a lender funding to a cost cap passes most of the overrun to you.
Six months longer. Extend the duration in the full tool. Holding costs, land tax and capitalised interest all grow, and IRR falls faster than margin.
Interest rate up 2%. The calculator sets indicative rates by funding level, so estimate this one by hand: about 2% a year on the average drawn balance, for the life of the loan.

Then combine two. A project that survives each test alone can fail when revenue and cost move against you together, as the worked example below shows.

The free calculator does not run sensitivity tables; scenario analysis sits in the signed-in Siare portal. The manual tests above cover the questions a credit team asks first.

Worked example

Four townhouses, worked through

Illustrative only

A hypothetical project to show the arithmetic, not a real deal or a benchmark. Four townhouses sell for $2.5 million each including GST. The land cost $2.0 million and the margin scheme is assumed to apply, which is a question for the developer's accountant. Selling costs are assumed at 2.5% of gross realisation, the developer has $1.5 million of equity, and all figures other than revenue are ex GST. The cost lines are assumptions, not rates for any particular state.

Total development cost	Amount
Land	$2,000,000
Transfer duty and acquisition costs	$120,000
Construction	$3,600,000
Contingency (5% of construction)	$180,000
Professional fees and approvals	$300,000
Statutory charges and contributions	$150,000
Holding costs, land tax and rates	$100,000
Finance costs, capitalised	$550,000
Total development cost (TDC)	$7,000,000

Revenue to margin	Amount
Gross realisation (4 × $2,500,000)	$10,000,000
Less GST, margin scheme: ($10,000,000 − $2,000,000) ÷ 11	−$727,273
Less selling costs (2.5% of $10,000,000)	−$250,000
Net realisation	$9,022,727
Less total development cost	−$7,000,000
Profit	$2,022,727
Margin on cost: $2,022,727 ÷ $7,000,000	28.9%
Margin on revenue (on net realisation): $2,022,727 ÷ $9,022,727	22.4%

How the loan sizes

LVR test: 65% × $10,000,000 = $6,500,000. If the lender applies it to gross realisation net of GST ($9,272,727), the limit is $6,027,273.
LTC test: 80% × $7,000,000 = $5,600,000.
Senior limit: the lower of the two, $5,600,000. Cost binds, as it usually does when the margin is healthy.
Minimum equity: $7,000,000 − $5,600,000 = $1,400,000. The $1,500,000 on hand covers it with $100,000 to spare.
Peak debt: with the $1,500,000 of equity in first and the whole $7,000,000 spent before the first settlement, the drawn balance peaks at $5,500,000, inside the $5,600,000 limit.
Break-even: net realisation equals cost at gross realisation of about $7.71 million, or about $1.93 million per townhouse. Prices can fall by about 23% before the project loses money.

Then stress it

Revenue down 10%: gross realisation $9,000,000, GST ($9,000,000 − $2,000,000) ÷ 11 = $636,364, selling costs $225,000, net realisation $8,138,636. Profit $1,138,636, margin on cost 16.3%. That is below an 18% target but within 85% of it, so the calculator would call it Marginal. The LVR test falls to $5,850,000; cost still binds.
Construction up 10%: another $360,000 takes cost to $7,360,000, before any knock-on finance cost. Profit $1,662,727, margin on cost 22.6%. The loan-to-cost limit rises to $5,888,000, but minimum equity rises to $1,472,000, only $28,000 inside the equity on hand.
Both together: $8,138,636 − $7,360,000 = $778,636 profit, a margin on cost of 10.6%. That is below a 15% margin covenant, and the project would need more equity, a cheaper build or a better price to fund.

The same method, with a mezzanine layer added, is set out in senior plus mezzanine on a four-townhouse project. To size a stack directly, try the development finance calculator or the development funding stack calculator.

Project types

Feasibility by project type

The arithmetic is the same across project types. What changes is where the risk sits and which line decides the result.

Subdivision

Revenue is lot sales; cost is mostly civil works, authority charges and time. Model the holding period to titles, not to the permit, because a series of workstreams gate titles after approval.

Duplex and dual occupancy

Small projects where duty, holding costs and a fixed-price contract decide the margin. The fundability assessment, free with a Siare account, treats one or two dwellings under $2 million on a separate, higher LVR tier than larger projects.

Townhouses

The classic small development. Sales usually settle together at completion, so peak debt lands late and presales and valuation carry the funding.

Apartments

Longer programs, higher fees, building classification and presale conditions weigh heavily. Unsold stock at completion can be refinanced; see residual stock loans and the residual stock decision tool.

House and land

A completed house on its own lot, or packages across several lots. The land share of the price drives GST under the margin scheme, and the contract type drives how much cost risk you keep.

Renovation

Value added against spend, checked against the suburb median so you do not over-capitalise. For renovate to sell, the renovation feasibility solver goes further. Where the numbers point to a rebuild, compare with the knockdown rebuild calculator.

Build to rent and hold

Judged on yield on cost against the cap rate, debt service cover and the cash needed to refinance at completion. In the full tool, a project set to sell also shows what it would look like if you held it instead.

Choosing a tool

Calculator, spreadsheet or software

The right tool depends on what the model needs to do at this stage.

Spreadsheet templates

Flexible, familiar and cheap. The risk is in the build: a hardcoded cell, a missing GST line or a formula that stops a row short. A good choice if you can audit your own model and keep one version.

Professional feasibility software

Platforms such as Estate Master and Feasly are built for development managers, valuers and repeat developers running detailed cashflows, staged projects and portfolio reporting. The right choice for larger or ongoing work, with a subscription and a learning curve to match.

This calculator

Built for the first question: does this site work, and is it likely to be fundable? It fills in state taxes and build rates and shows its working. It is a starting point, not a replacement for a QS estimate, a valuation or a lender-ready model.

Assumptions

Assumptions and limitations

Dated to 2026-27. Duty, land tax and other statutory figures use 2026-27 schedules. This page was last reviewed on 25 September 2026.
Indicative, not a valuation or a quote. Property record data are estimates. Build rates come from an indexed rate library and are not a builder's price.
Finance is a benchmark. Interest uses indicative rates of 8.2%, 9.5% and 11.5% at 50%, 65% and 75% loan-to-cost. The fundability assessment is not a credit decision or an offer of finance.
Not modelled. Foreign-buyer duty and land tax surcharges, and first-home buyer concessions.
Planning lookups are partial. They run in NSW, VIC, WA, SA and selected Queensland councils, not in TAS, the ACT or the NT. Approval timings are statutory periods, not actual council times.
Living in it. Owner-occupier loan, LMI and knockdown rebuild figures are a first read. Your lender or broker sizes the actual loan.
GST is simplified. The margin is taken as sale price less land cost. The margin that applies to you depends on how you acquired the property.
Your answers are stored. Answers are saved when you reach your results and when you download a report or create a share link. A share link carries your answers in the web address.

Guides & tools

Read further before you commit

Other free tools in Siare's Implement library test one part of the picture in more depth: what a site will borrow, what goes in a finance application and how a funding stack fits together.

Questions

Feasibility questions, answered

What is a development feasibility calculator?

It is a tool that estimates whether a property development will make money. You enter the site, what you plan to build, the expected sale prices and the costs, and it works out total development cost, profit, margin on cost, peak debt and required equity. A good one also applies the right duty, land tax and GST for the state, and shows how each figure was calculated.

Is the Siare calculator free?

Yes. It is free to use without an account. The embedded version shows the answer straight away, and the emailed PDF report asks for your name and a work email. You can save your progress without an email, or create a free account to keep working on the numbers. Your answers are stored when you reach your results.

How do you calculate residual land value?

Start with the end value of the completed project, net of GST and selling costs. Subtract every development cost except the land, then subtract the profit you need. What is left is the most the land can carry, including duty and acquisition costs. In the calculator this shows as Pay no more than, the highest price that still hits your target margin.

What is the difference between profit on cost and development margin?

Profit on cost, or margin on cost, divides profit by total development cost. Margin on revenue divides the same profit by revenue, so it always reads lower. A 20% margin on cost is roughly a 16.7% margin on revenue. Lenders and developers use both, so always state which one a figure refers to.

What is a good profit margin for property development in Australia?

It depends on the project's risk, scale and length. A cost and feasibility report published by the NSW Government assumes developers need a margin of around 18%, typically in a range of 17–20%. The calculator uses an 18% margin on cost as its default target, and you can change it to suit the project and your lender.

How does the GST margin scheme affect a feasibility?

Under the margin scheme, GST is one eleventh of the margin rather than of the full sale price, which can lift net revenue materially where land is a large share of value. It needs a written agreement with the buyer on or before settlement, and eligibility depends on how you acquired the property. Confirm it with your accountant before you model it.

How do lenders assess a development feasibility?

They rebuild it with their own figures. The valuer sets gross realisation, usually taken net of GST. A quantity surveyor confirms the cost to complete and the contingency. The lender then sizes the loan at the lower of a loan-to-value and a loan-to-cost limit, checks presales, capitalised interest and fees, and tests whether the margin left clears its hurdle.

What is the difference between LVR and LTC?

LVR, loan to value ratio, measures the loan against the completed value, commonly around 65% of gross realisation for construction. LTC, loan to cost, measures it against total development cost, commonly up to 80%. The lender applies both and lends the lower amount. On a project with a healthy margin, loan-to-cost usually sets the limit.

Do I need presales to get construction finance?

Not always. Banks often require qualifying presales before first drawdown, while many non-bank and private lenders need fewer or none, usually at a higher price. In February 2025 APRA clarified that the reference to 100% presale cover in its 2017 letter was an observation, not a requirement. Presale conditions are set by each lender's policy.

What contingency should I allow for construction?

A contingency of 5–10% of construction cost is common once the design is firm and a builder has priced it. Earlier-stage schemes commonly carry more, because more is unknown. In the calculator, design stage sets contingency, and you can add an overrun buffer on top. A lender's quantity surveyor will check whether your allowance is adequate.

What is peak debt, and why does it matter?

Peak debt is the highest the loan balance reaches during the project, usually late in construction once interest has capitalised and before sales settle. It matters because the facility limit must cover it, and your equity must cover the rest. The calculator shows peak debt and the month it lands, alongside required equity.

Is IRR or margin more important?

They answer different questions. Margin on cost tells you how much profit the project makes against what it costs, and it is what lenders test. IRR accounts for time, so a delay that barely moves margin can cut IRR sharply. Use margin to judge fundability and IRR to compare the project with other uses of your equity.

Can I use it for a subdivision, duplex or townhouse project?

Yes. The calculator covers duplexes, townhouses, apartments, house and land, subdivision, renovation or extension, mixed-use and commercial projects. You enter the number of dwellings or lots, their average size and the expected sale price for each. Duty, land tax, contributions and build rates are set for the state and region the site is in.

Should I use a feasibility spreadsheet or software?

A spreadsheet suits someone who can build and audit their own model. Professional software such as Estate Master or Feasly suits larger, staged or repeat projects. A calculator like this one suits the first question, whether a site works, and gives you a traceable starting point to refine with your quantity surveyor, accountant and lender.

Does Siare lend against the feasibility?

No. Siare is a finance broker, not a lender. We review feasibilities and arrange development and construction finance with lenders whose policy fits the project. The calculator is a free, indicative starting point, and a feasibility review tests your numbers the way a credit team will before they go to a lender.

Send us the numbers

Find out where it is thin

Run the calculator, then send us the site, the concept and the costings you have. We will tell you honestly where the feasibility holds, where a lender will push, and which lenders are likely to fund it.

Create a free account Open the full calculator Talk to a broker

General information only, for business and investment purposes. This is not financial, credit, tax, legal or accounting advice, and nothing on this page is a guarantee of yield, value, profit or lending outcome. The development feasibility calculator is an indicative tool: its results depend on your inputs and on estimates, and are not a valuation, a quantity surveyor's estimate, planning advice or a credit decision. Eligibility for and application of the GST margin scheme are matters for your own accountant or registered tax adviser. Where finance is arranged, Siare acts as broker; it is not an offer of finance and all finance is subject to lender assessment, valuation and credit approval. Lender ranges shown are indicative and vary by lender and deal. Case studies describe individual past transactions and are not a guarantee of any future outcome. Obtain your own independent professional advice before proceeding.