Exit Fees
Calculate total redemption cost including exit fees and early repayment charges.
Introduction
Who this is for: Borrowers planning to redeem or refinance a facility.
Why it matters: Exit costs are easy to overlook and can be charged on the gross facility rather than the outstanding balance — a meaningful difference on a partially repaid loan. On development finance, an exit fee charged on GDV rather than loan is larger again.
Typical scenario: A developer redeeming a facility early and comparing the cost of exiting now against waiting for the ERC to step down.
- Assuming the exit fee is charged on the balance when it is charged on the gross facility.
- Missing that ERCs often taper by year — waiting a few months can save thousands.
- Forgetting redemption administration and legal fees.
Inputs
Facility
Exit Charges
Analysis
Redeeming £640,000 costs £22,300 in exit charges — £8,000 exit fee (on gross facility), £12,800 ERC and £1,500 legal. Total redemption is £662,300, or 3.48% of the balance in charges.
This analysis provides context, not financial advice. Consult a qualified adviser before making investment decisions.
Create a free account to keep this analysis, compare it against other projects, and pick up where you left off on another device.
Create free account →Sensitivity Analysis
Sensitivity
Adjust the variables below to stress-test this scenario. Results update instantly.
Export
Live Results
Total Exit Cost
£22,300
Total Redemption Amount
£662,300
Exit Fee
£8,000
Early Repayment Charge
£12,800