Preset defaults
- Units: 9
- GIA per unit: 950 sqft
- NIA ratio: 85%
- Build cost: 2,400 £/sqm
- Professional fees: 12%
- Contingency: 7.5%
- s106 / CIL / BNG per unit: £12,000
- Finance rate: 9.5%
- Duration: 18 months
- Target PoC: 20%
What this preset is for
Medium-rise blocks or terraces. BCIS general new-build rate; CIL and BNG itemised per unit.
What BCIS rate to use
- BCIS Q2-2026 general building cost index for medium-rise residential: £2,300 to £2,650/sqm UK average.
- Adjust regionally using the BCIS index factor (NW = 100 baseline).
Viability under NPPF Dec-2025
- 17.5 percent profit-on-GDV is the working PPG-Viability benchmark.
- Lenders typically reference 20 percent profit-on-cost; the two are not interchangeable.
Open in workbench
Inputs
MAX LAND BID£0At 20% profit on cost, 9 units, 950 sqft GIA each.
MARGINAL
GDV£3,088,688
Build cost£1,906,370
Prof fees£228,764
s106/CIL/BNG£108,000
Contingency£168,235
Finance interest£171,810
Target profit£516,636
Total costs (excl land)£2,583,179
Senior debt @ LTGDV£2,007,647
PoC19.6%
PoGDV16.4%
LTC77.7%
Sensitivity (PoC %)
Build -5%Build +5%Build +10%Build +15%Build +20%
GDV -15%7%-3%-7%-11%-15%
GDV -10%13%3%-2%-6%-10%
GDV -5%19%8%4%-1%-5%
GDV 0%19%14%9%5%0%
GDV +5%18%20%15%10%5%
Cells show profit-on-cost percentage at each GDV stress / build-cost shock pair. Cells below your target PoC turn amber-warm; cells below 10 percent abort.