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Margin Desk prices commercial and residential mortgage deals, computes Return on Capital under UK Basel 3.1, and rolls books into portfolio analytics — in the browser, on desktop or iPad, with no install.
Each instrument shares the same engine, so a deal you price flows straight into capital and portfolio — no re-keying, no broken spreadsheet links.
Enter the loan, LTV, rate and fees; the margin, basis points and net price update as you type. A clear Healthy / Thin / Loss verdict and a full breakdown show exactly where every basis point comes from.
Every row prices live and the totals blend underneath. Sort, edit inline, and roll the whole book up by product — then send it straight to Capital & RoC or Portfolio in one click.
The rate sheet is the source every deal prices against — note rates, cost of funds, LTV add-ons, LLPA grids and fees. Edit a product, add or rename, and every open deal re-prices against it.
Compute risk-weighted assets, capital required and Return on Capital under UK PRA Basel 3.1. Owner-occupier loans split at 55% of value; buy-to-let and commercial use the whole-loan table. Every risk weight is an editable, explained assumption.
Roll desk and product data into the existing book, new business, and the two blended. RWA and capital build additively across waterfalls; margin and RoC are tracked against your targets with red / amber / green status.
Pricing desks still run on fragile, siloed spreadsheets. Margin Desk replaces them with one explainable model that ties pricing, capital and portfolio together.
Enter a deal or a whole desk. Margin, bps and net price compute live against your rate sheet, in any of four regions.
Send the deal or book into Capital & RoC. See RWA, capital required and Return on Capital under UK Basel 3.1.
Roll it into Portfolio analytics — BackBook, New and Blended — and judge it against your margin and RoC targets.
A browser-based pricing and capital workstation for mortgage lending. It turns a deal into a priced, capital-aware decision in seconds — margin, Return on Capital and portfolio impact — with no installation, working offline on desktop or iPad. Every number carries an info icon explaining what it is, how it's used and how it's calculated.
Margin, capital and portfolio usually live in separate spreadsheets that drift out of sync and hide their workings. Margin Desk unifies them in one model where pricing flows into capital and portfolio automatically, and the assumptions behind every figure are visible and editable.
Margin Desk is sold as a licensed SaaS workstation, gated by licence key, in tiers that scale from a single broker to a whole lending desk. The free trial prices a single deal so a prospect can feel the product before they buy; Desk and Capital are per-seat monthly; Enterprise is an annual institutional licence with the shared backend, audit trail, extra capital regimes, white-labelling and an API. See the licensing packages below.
Start free with single-deal pricing. Move up as you add deals, capital and a team. Activate any tier with a licence key.
Indicative pricing — final packaging and per-seat rates are set with each client. All tiers activate by licence key.
Launch the workstation — it's pre-filled with worked data, so you can price, capitalise and roll a book without entering anything first.
Price deals, build rate sheets, and test product profitability and capital under Basel 3.1 — in one place.
Sign in to your pricing workstation.