New investor?
Analyse a property, save it, and compare every deal you've looked at side by side. Copy the figures off a listing — the tax, cashflow and stress testing are handled here.
Zoopla and OnTheMarket open with your area and filters applied. Rightmove and ESPC open their own search, where you pick the area yourself.
Found one? On the listing page, select all (Cmd+A), copy (Cmd+C), then paste into Paste listing details below to pull the figures into the calculator.
Monthly cashflow after tax
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Return on cash invested
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| Money in | Amount |
|---|---|
| Deposit | — |
| LBTT | — |
| Additional Dwelling Supplement | — |
| Refurb & furnishing | — |
| Legal, survey & fees | — |
| Total money in | — |
| Money out (at refinance) | Amount |
|---|---|
| New mortgage | — |
| Less: original mortgage paid off | — |
| Less: refinance fees | — |
| Cash released to you | — |
| Money left in the deal | — |
| Revaluation | Result |
|---|---|
| Purchase price + refurb | — |
| Post-refurb value | — |
| Value added by the refurb | — |
| Your equity after refinance | — |
| Loan-to-value after refinance | — |
Enter a post-refurb value to see the money in / money out figures.
| After revaluation | Keep current mortgage | Refinance |
|---|---|---|
| Mortgage | — | — |
| Cash released to you | — | — |
| Money left in the deal | — | — |
| Your equity | — | — |
| Loan-to-value | — | — |
| Monthly cashflow after tax | — | — |
| Return on money left in | — | — |
Add a refinance LTV above to compare keeping your mortgage with refinancing.
| Annual trading | Amount |
|---|---|
| Gross rent | — |
| Voids | — |
| Letting agent | — |
| Maintenance | — |
| Insurance, factor & other | — |
| Net operating income | — |
| Mortgage payments | — |
| Profit before tax | — |
| Tax | — |
| Profit after tax | — |
| Dividend tax if drawn | — |
| In your pocket | — |
| Yield & cover | Result |
|---|---|
| Gross yield | — |
| Net yield | — |
| Interest cover lenders want ~145% | — |
Stress test. Monthly cashflow after tax at higher interest rates, everything else unchanged. Fixed rates end — this is the number that decides whether a deal survives a remortgage.
Private to your account. Deals are stored securely in the cloud against your login — only you can see them, and they'll be here on any device you sign in from.