Free tools
Calculators for the decisions that actually move the book.
Mortgages & cover
BTL mortgage calculator
Estimate max loan, LTV and monthly payments using rent, stress rate and ICR - the same cover checks UK lenders use.
Mortgage · ICR · LTV
ICR / stress-test calculator
Check rental cover at pay rate and stress rate, and see the rent or max loan needed to pass lender ICR.
ICR · Stress test
Portfolio stress tester
Stress-test multiple buy-to-let loans at once - see which properties pass ICR and how the whole portfolio covers.
Portfolio · Charts
Yield, deals & cashflow
BTL purchase costs calculator
Total cash needed for a BTL purchase - deposit, stamp duty, fees, setup costs and a rent buffer.
Purchase · Cash needed
Rental yield calculator
Work out gross and net yield from purchase price, rent and running costs - including voids and management fees.
Gross yield · Net yield
Deal analyser & cashflow
Pro deal studio with cashflow lines, stress presets and Monte Carlo fan charts for rate, void and growth risk.
Cashflow · Scenarios · Charts
HMO yield calculator
Calculate gross and net yield for an HMO from room rents, voids and annual running costs.
HMO · Room rents
Tax & stamp duty
BTL stamp duty calculator
Estimate England & NI SDLT on an additional dwelling / buy-to-let purchase, including the higher-rate surcharge.
SDLT · Surcharge
Landlord tax calculator
Illustrate Section 24 finance-cost restriction, basic-rate tax credit and how much extra tax landlords may pay.
Section 24 · Tax
Ltd vs personal tax compare
Side-by-side illustration of Section 24 personal ownership versus limited company corporation tax (and optional dividends).
Ltd company · Compare