Net-to-Gross Facility Calculator
Your client needs a specific amount in hand. This tool solves for the gross facility that delivers it once fees and interest are financed within the loan, then checks the result against your LVR limit.
Step 1 of 4
Net to GrossFunding requirement
The cash your client needs to receive, and the facility term.
The amount your client needs in hand at settlement.
How this was calculated
Every figure below shows the method used to derive it, so you can check the structure before taking it to a client.
Building up from net advance to gross facility
Each financed cost increases the facility required. Fees paid separately are excluded because the borrower settles them outside the facility.
| Target net advance | $1,000,000 |
|---|---|
| Establishment feeDeducted2% of gross facility | $22,749 |
| Legal feesDeductedFixed amount plus GST | $5,500 |
| Interest retained at settlementPrepaid for 12 months | $109,195 |
| Gross facility required | $1,137,443 |
Fee detail by treatment
Deducted and capitalised fees are financed by the facility. Separate fees increase total transaction cost without reducing net proceeds.
| Deducted from facility | $28,249 |
|---|---|
| Capitalised into facility | $0 |
| Paid separately by borrower | $0 |
| GST included aboveWhere applicable | $500 |
| All fees | $28,249 |
Interest and exit exposure
| Gross facility | $1,137,443 |
|---|---|
| Total interest over term9.6% p.a. over 12 months | $109,195 |
| Balance repayable at exit | $1,137,443 |
| Exit LVR | 56.87% |
Assumptions
- Fee treatment
- Deducted fees are financed within the gross facility and taken at settlement, reducing net proceeds. Capitalised fees are funded within the facility rather than paid externally, increasing financed exposure. Separate fees are paid by the borrower outside the facility and do not reduce net proceeds, but do increase total transaction cost.
- Solved result
- The gross facility is solved numerically to deliver the requested net advance to within one cent. Because percentage fees and prepaid interest are charged on the gross facility, the uplift is larger than the fees alone.
- Capitalised fees increase the facility
- In a required-facility calculation, a capitalised fee increases the gross facility required rather than reducing the amount available for other uses.
- GST
- Where GST is marked as applicable on a fee, it is added at 10% on top of the calculated amount.
- Rounding and precision
- All arithmetic uses decimal precision rather than floating point. Figures are rounded to the cent for presentation only, so totals always reconcile.
Important information
This calculator produces an indicative desktop estimate for broker scenario-modelling purposes only. It is not an offer of finance, a pre-approval, a term sheet, or credit assistance, and it does not take your client's objectives, financial situation or needs into account.
The solved facility assumes the lender will size the loan precisely to your requirement. In practice lenders round facility limits and may apply their own minimum or maximum sizing.
Actual terms, fees, rates, valuations, and available leverage are determined by the lender following full assessment, valuation and legal review. Fees and interest vary between lenders and transactions. Figures shown depend entirely on the inputs and assumptions you have selected.
Get Solutions does not provide financial, legal, tax, or accounting advice. Your client should obtain independent professional advice before acting on any figure produced here.
Tool version 1.0.0 · Formula version 1.0.0 · Disclosure version 1.0.0 · Calculated 11 Sept 2026, 8:50 pm
Common questions
- Why is the gross facility more than my net advance plus the fees?
- Because percentage fees and prepaid interest are charged on the gross facility, not the net advance. Increasing the facility to cover a fee also increases the fee itself, so the required uplift compounds. The solver handles this circularity for you.
- What happens if the required facility breaches my LVR limit?
- The result panel flags the breach and shows both the required facility and the maximum the security supports at your stated LVR, so you can see the shortfall immediately and adjust the structure or add security.
- Should capitalised fees be included here?
- Yes. In a required-facility calculation a capitalised fee increases the gross facility required, because it is funded within the loan rather than paid externally by the borrower.
Common questions
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