Free calculators
Private loan calculators
Three tools that work the way a private credit desk does: equity, cost and the way out. No rates to guess, nothing saved, no credit check.
Calculators built around the three questions
Every private lender asks three things: what's the security, what's the money for and how will it be repaid? These tools cover the two you can measure yourself. The second mortgage calculator shows how much equity your property offers behind any existing loan. The exit plan checker tests the way out. And when an offer arrives, the caveat loan calculator turns it into net funds, a payout figure and a total cost in dollars.
A sensible order
- Check your equity with the second mortgage calculator.
- Test your exit and fix any weak spots it finds.
- Enquire: tell us what you need in about a minute, with no credit check at that first stage.
- Run the offer through the caveat loan calculator before you sign, alongside our letter of offer checklist.
Want the thinking behind the tools? Read the three questions every private lender asks.
Calculator questions
Why don't your calculators show interest rates?
Because we never publish or assume rates. Private loans are priced on the property, the purpose and the exit, so any rate we showed would be a guess. Our tools work in dollars and take figures from your own offer instead.
Which calculator should I start with?
Start with the second mortgage calculator to check your equity, then use the exit plan checker. Once you have an offer, run it through the caveat loan calculator.
Do the calculators save my details?
No. They run in your browser. Nothing is stored or sent, and they never touch your credit file.
Can a calculator tell me if I'll be approved?
No. They show your equity, cost and exit strength. A lender decides after valuing the property and reviewing the deal.
Rather skip the maths?
Tell us the property, the amount and the deadline. A real person will lay out the structure, the term and the total cost in plain dollars.
No credit check to enquire
Kept private, not farmed out
Decided on the property