Your property. Your assumptions.

The deal studio.

Bring a property from anywhere. Explore its cash flow, test a different outlook, and compare your next moves. Working edits recover in this tab; save a scenario or export it to keep a copy after closing the tab.

Device-only workspace. Saved scenarios stay in this browser and are not linked to your account. Anyone using this browser may see them. Export a backup before clearing browser data or moving devices. The starting figures are illustrative, not market evidence.

Monthly cash flow£133Gross yield6.67%Full breakdown ↓

01 / The property

Scenario name

Source URL (optional)For your reference only. We don’t fetch or verify the listing.

Purchase price (£)

Monthly rent (£)

02 / The finance

Purchase method

Deposit (%)

Annual interest rate (%)

03 / Running the property

Vacancy (months / year)Rent is reduced by this allowance.

Management (%)Applied to rent after vacancy.

Maintenance reserve (%)Applied to scheduled annual rent.

Other monthly costs (£)Insurance, rates, service charges and other costs.

04 / Cash needed upfront

Legal & survey costs (£)

Refurbishment (£)

Other upfront costs (£)Include lender and broker fees here.

Additional-property SDLT rates applyNon-UK resident SDLT surcharge applies

Single residential purchase by an individual in England or NI. First-time buyer relief, corporate purchases and linked transactions are not modelled here.

Evidence & questions to follow up

Changes are saved only when you choose Save.

How the calculation works

Gross yield = monthly rent × 12 ÷ purchase price. Effective rent allows for vacancy. Management is charged on effective rent; the maintenance reserve is based on scheduled rent. Other monthly costs and finance payments are then deducted.

Upfront cash includes your deposit (or full price for cash), estimated SDLT, legal and survey fees, refurbishment and other upfront costs. Interest-only payments leave the loan balance outstanding. Repayment payments use a constant-rate amortisation calculation; lender rounding and actual products may differ.

SDLT follows the existing England and Northern Ireland calculator, with rates checked 25 September 2026. Check the official rates and eligibility. Figures are rounded for display; calculations use unrounded values. Nothing here verifies market rent, condition or property value.

Finding your perspective…