Built for overseas investors. Stamp duty here includes the 2% non-resident surcharge and 5% additional-property surcharge that apply from 2025/26.
For the full scored deal assessment, use the Deal Analyser.
England & Northern Ireland. For Scotland use LBTT, for Wales LTT (different systems).
Rates: gov.uk Stamp Duty Land Tax — residential property rates. Effective 1 Apr 2025; additional-property surcharge 5% (from 31 Oct 2024); non-resident surcharge 2%. Always confirm with the official HMRC calculator.
Gross and net yield, monthly cashflow, and cash-on-cash return if you use a mortgage.
Net yield = (annual rent − running costs) ÷ price. Cash-on-cash = net income after mortgage interest ÷ cash invested. Interest-only assumed for the mortgage line.
Combines your deposit, stamp duty and the usual transaction fees.
BTL lenders size loans on rent using an interest coverage ratio (ICR) and a stress rate, not your salary.
Simplified BTL affordability model. Actual lender criteria, top-slicing and product rules vary — treat as a guide only.
Compare interest-only (typical for BTL) with full capital repayment.
Buy-to-let mortgages are usually interest-only; repayment mortgages clear the loan over the term but cost more monthly.
Convert a GBP purchase into your home currency and see how exchange-rate moves change the cost. Rates are editable — update to today's figures.
Illustrative only — set the rate to your bank/broker's live figure. FX spreads and transfer fees are not included.
Estimates UK income tax for a non-resident landlord (individual) vs holding in a company — including the Section 24 mortgage-interest restriction.
2025/26 rates; simplified. Section 24 gives a 20% credit on mortgage interest for individuals; companies deduct interest but pay corporation tax (19%/25%). Not advice — confirm with an accountant.
Paste a listing's price and rent and get all-in cost, yield, monthly cashflow and a 5-year projection — for a non-resident additional-property purchase.
Combines the SDLT, cost, yield and repayment models above. Growth is an assumption, not a forecast. Excludes income tax — see tool ⑦.
A simplified annual-income comparison. Section 24 restricts personal mortgage-interest relief to a 20% credit; companies deduct interest in full but pay to extract profit.
Company profit is taxed at 19% (≤£50k) or 25%. Money kept in the company is taxed again when extracted as dividends — not shown here. Educational only. See Personal vs company.
Turn gross rent into real net cashflow after costs and tax.
Personal ownership with Section 24 (interest relieved at 20% credit). Educational only.
Estimate CGT on a UK residential disposal. Non-residents must report within 60 days.
Individuals; after the £3,000 annual exempt amount. Companies pay corporation tax on gains instead. See CGT guide.
A conservative, educational estimate. UK property is always within UK IHT.
Uses the £325,000 nil-rate band at 40%. Excludes the residence nil-rate band (rarely available to investment property). This is a strong signal to seek professional advice. See IHT guide.
See your true return in Singapore dollars, including the currency move.
Simplified: ignores SDLT/finance/tax (use the other tools for those). Shows the FX effect on a GBP investment converted to SGD. IRR is approximate.