Welcome to our UK property investment calculator!

Designed to empower investors with accurate insights, this calculator offers a comprehensive overview of potential returns and profitability metrics for buy-to-let (BTL) and buy-refurbish-refinance (BRR) projects.

We are continuously improving this calculator - if you have any feedback we’d love to hear from you. Just click ‘Contact’ above.

UK BTL & BRR Deal Calculator

Inputs

Deal Details

Purchase price

Financing Option

Loan (Mortgage, Bridging etc) Cash

Refurbishment required

Cost of refurbishment

Refinance after refurbishment

Refinance value

Monthly rent

Loan Details

LTV (%)

75%

Interest rate (%)

Arrangement fee (£)

Refinance Details

Refinance LTV (%)

75%

Refinance rate (%)

Refinance arrangement fee

Costs, Tax & Forecast Assumptions

Sourcing fee

Conveyancing fees

Stamp duty Ⓘ

Annual Service Charge and Ground Rent

Maintenance Rate (% of rent)

Management Fee (% of rent)

Void period (weeks per year)

Investment term (years)

Annual appreciation

Additional monthly rental expenses

Ownership, loan, tax and exit assumptions. SDLT is calculated automatically only for England and Northern Ireland; enter the applicable amount manually for Wales or Scotland.

Ownership

Individual marginal tax rate (%)

Individual CGT rate on sale (%)

Property tax jurisdiction

Add 2% non-UK resident SDLT surcharge (England / NI)

Loan repayment basis

Repayment loan term (years)

Refurbishment contingency (%)

Bridging exit fee (% of loan)

Refinance valuation & legal fees (£)

Annual insurance, compliance & licences (£)

Annual rent growth (%)

Sale costs (% of sale price)

Results

Current BTL / BRR Deal Summary

Deal summary breakdown

Cash Invested at Purchase — Breakdown

Purchase deposit / cash purchase price£0

Cash-funded refurbishment (including contingency)£0

Stamp Duty / property tax£0

Conveyancing fees£0

Sourcing fee£0

Loan and finance fees£0

Total cash invested at purchase£0

Cash Left In After Refinance — Breakdown

Cash invested at purchase£0

Gross refinance loan£0

Less: purchase loan repaid£0

Less: refinance fees£0

Net cash released£0

Cash left in after refinance£0

Monthly Cash Flow Before Tax — Breakdown

Rent received after void allowance£0

Management fee£0

Maintenance reserve£0

Service charge and ground rent£0

Insurance, compliance and licences£0

Additional rental expenses£0

Loan payment£0

Monthly cash flow before tax£0

Monthly Cash Flow After Tax — Breakdown

Monthly cash flow before tax£0

Estimated monthly tax provision£0

Monthly cash flow after tax£0

Post-Tax Cash-on-Cash Return — Breakdown

Annual cash flow after tax£0

Cash at risk£0

Post-tax cash-on-cash return0%

Total Return Including Sale — Breakdown

End property value£0

Less: sale costs£0

Less: loan balance at sale£0

Less: estimated tax on sale£0

Net sale proceeds£0

Post-tax cash flow over term£0

Less: initial cash at risk£0

Total return after term including sale0%

Interest-rate sensitivity

Interest-only stress: annual rent received divided by annual interest (ICR), plus annual pre-tax cash flow after non-finance operating costs.

Rate	ICR	Annual cash flow

Cost Details

Total capital required (incl all fees)

£ 0

Purchase Deposit

£ 0

Stamp Duty

£ 0

Conveyancing Fees

£ 0

Sourcing Fee

£ 0

Bridging Costs

£ 0

Mortgage Arrangement Fees

£ 0

Refurbishment Costs

£ 0

Refurbishment & Refinance Section

Gross Refurbishment Gain

£ 0

All Buying & Refurbishment Costs Ⓘ

£ 0

Equity Released From Refinancing

£ 0

Total Cash Left In

£ 0

Net Gain After All Costs

£ 0

Refurbishment ROI

0 %

Monthly Cash Flow

Expected Rental Income Ⓘ

£ 0

Total Rental Expenses Ⓘ

£ 0

Net Rental Profit (before tax) Ⓘ

£ 0

BTL Mortgage Interest

£ 0

Management Fee

£ 0

Maintenance

£ 0

Service Charge & Ground Rent

£ 0

Vacant Deduction

£ 0

Additional Expenses

£ 0

Legacy Rental Return Summary

Gross Yield

0 %

Rental ROI - Pre-Tax Ⓘ

0 %

Rental ROI - Post-Tax 40% Tax Payer Ⓘ

0 %

Rental ROI - Post-Tax LTD Company Ⓘ

0 %

Legacy Mortgage Stress Test

Rent / Mortgage Payment Ratio at 5.5% Interest Ⓘ

0 %

Break-Even Mortgage Rate Ⓘ

0 %

Legacy Capital Appreciation View

Purchase Price

£ 0

Capital Expense Ⓘ

£ 0

Investment Term Ⓘ

0 years

Annual Appreciation Ⓘ

0 %

End Value Ⓘ

£ 0

Net Gain Before Tax

£ 0

Total ROI Over Term Ⓘ

0 %

Annualised ROI Ⓘ

0 %

Inputs:

purchasePrice: 0

financingOption: 0

refurbishmentRequired: 0

costOfRefurbishment: 0

refinanceAfterRefurbishment: 0

propertyValueAfterRefurbishment: 0

sourcingFee: 0

monthlyRent: 0

mortgageLTVValue: 0

mortgageRate: 0

mortgageArrangementFee: 0

purchaseBridgingLTVValue: 0

refurbishmentBridgingLTVValue: 0

bridgingRate: 0

bridgingTerm: 0

bridgingArrangementFee: 0

refinanceLTVValue: 0

refinanceRate: 0

refinanceArrangementFee: 0

conveyancingFees: 0

stampDuty: 0

serviceChargeGroundRent: 0

maintenanceRate: 0

managementFeeRate: 0

voidPeriod: 0

investmentTerm: 0

appreciation: 0

additionalRentalExpenses: 0

Outputs:

purchaseDeposit: 0

conveyancingFees: 0

stampDuty: 0

sourcingFee: 0

bridgingCosts: 0

mortgageArrangementFees: 0

refurbishmentCosts: 0

totalCapitalRequired: 0

grossRefurbishmentGain: 0

allBuyingRefurbishmentCosts: 0

netGainAfterAllCosts: 0

equityReleasedFromRefinance: 0

refurbishmentROI: 0

totalCashLeftIn: 0

BTLMortgageInterest: 0

managementFee: 0

serviceChargeGroundRent: 0

maintenance: 0

vacantDeduction: 0

additionalRentalExpenses: 0

expectedRentalIncome: 0

totalRentalExpenses: 0

netRentalProfitBeforeTax: 0

grossYield: 0

rentalROIPreTax: 0

rentalROIPostTax40: 0

rentalROIPostTaxLTD: 0

rentOverMortgageRatioAt5_5Interest: 0

mortgageBreakEvenRate: 0

purchasePrice: 0

capitalExpense: 0

investmentTerm: 0

appreciation: 0

endValue: 0

netGainBeforeTax: 0

totalROIOverTerm: 0

annualisedROI: 0