Explore how fees, interest and a delayed repayment change a property-backed business loan. Start with the hypothetical example, then enter your own assumptions.
All amounts are Australian dollars. The starting rate, fees, term and LVR are hypothetical, not Balmoral or lender terms. Calculations run in your browser; this tool does not submit these figures as an enquiry.
01 / Loan costs
Compare the planned term first. Add a delay to see additional holding costs under the same simple-interest assumptions.
Your illustration · 6 months
Cash remaining after the existing debt payout, upfront fees and any retained interest.
Interest and fees over the planned term. Excludes principal repayment.
Principal, any capitalised interest and discharge costs.
Monthly interest payment
Interest is paid monthly. The exit amount includes principal and the discharge fee; monthly interest is already paid separately.
Establishment is part of upfront fees. Retained interest is part of term interest. Neither is added twice.
Holding cost scenario
6 months in total
Delay interest is paid monthly at the same rate. The extension fee is paid at exit.
02 / Property equity
Choose a property value and loan-to-value ratio (LVR) to explore the arithmetic. The assumed LVR is your modelling input; no lender limit is implied.
Illustrative equity before costs
Before fees, retained interest and any other deductions. This is a calculation using your assumptions, not an approved loan limit or cash offer.
Fees, retained interest, valuation, mortgage priority and lender policy can reduce the amount available. Any debt staying in place must also be considered when assessing the full funding structure.
How the calculations work
All upfront fees and any retained interest are deducted from a single gross advance. The principal stays unchanged during the term. No principal repayments, staged drawdowns, interest on fees or compounding are modelled.
For a delay, the rate stays unchanged. Serviced interest continues monthly. Under retained or capitalised interest, extra delay interest is paid at the delayed exit. Extension fees are paid at that exit.
Daily interest calculations, minimum-interest periods, recurring line fees, early repayment terms, default charges and enforcement costs are not modelled. Add only fixed costs to the relevant fee inputs. Calculations round monetary components to cents; monthly payments are approximate.
Equity formula: max(0, property value × assumed LVR ÷ 100 − existing secured debt). This separate illustration does not assess borrowing eligibility or automatically change the loan-cost inputs.
Input limits keep the calculator manageable and are not lender lending criteria. Use the actual written term sheet to check every cost and condition.
No. It uses your inputs and simplified assumptions to illustrate costs. The starting figures are hypothetical and are not lender rates, an offer or an indication of eligibility. Ask for written terms for your actual scenario.
This calculator deducts the existing debt payout, upfront fees and any retained interest from the gross advance. Repaying existing debt reduces cash received but is not counted as a new borrowing cost.
It adds simple interest to the amount due at exit, without compounding or interest on fees. Actual facilities may calculate interest differently, so compare the loan documents with the assumptions shown here.
No. It multiplies your property value by your assumed LVR and subtracts existing secured debt, with a minimum result of zero. It does not assess lender policy, valuation, mortgage priority, fees, borrower circumstances or the repayment plan.
Take the next step
Bring the amount needed, security, current debt, deadline and repayment plan. Balmoral is a broker; lender assessment and written terms determine what is available.