Cost of Borrowing Comparator
PWLB vs Index-Linked Private Placement

Compare Annuity, EIP, Maturity & index-linked financing on an NPV basis

Loan Details
PWLB Reference Rate
Index-Linked Private Placement
NPV Assumptions
Defaults to the PWLB Annuity rate above. Override to test a different discount rate.
Results — NPV Cost of Borrowing

💬 This scenario shows a potential saving over your cheapest PWLB option

Index-linked financing won't suit every capital programme — but when the numbers line up like this, it's worth a conversation. Get in touch and we'll help you work through whether it's right for your authority.

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This tool provides an illustrative, high-level comparison only and does not constitute financial, accounting, legal or investment advice. Minimum Revenue Provision (Asset Life — Annuity method) and IFRS 9 amortised cost workings are not shown in this summary view — please contact Haverly Consulting for the full detailed model. Rates should be checked against live DMO and market data before use in any financing decision.