Quick scan
Run one buy-to-let or refurb past the calculator, no account needed
Enter six figures and see straight away what the property does: the yield, the monthly cash flow and whether the rent covers the loan. For a conversion: the profit, the margin and the sale price at which you break even.
The scan runs on the same engine as the full tool. No simplified formula, no separate model: the same numbers you see again once you sign in.
Buy-to-let
Buy, refurbish if needed, let.
The result
Cash flow per month
£183
After interest and repayment. Own funds £97,500.
Yield and cover
Gross initial yield
6.9%
On £367,000 total investment
Net initial yield
5.9%
DSCR
1.11
Debt service £19,404 per year
NOI
£21,600
Rent after running costs, before financing
Everything you do not enter above sits at zero, and this is exactly what that is: Stamp Duty on the SDLT bands for England & NI, including the additional-property surcharge: £22,000. Conveyancing, searches, survey and the Land Registry fee are 0. Voids 0% and bad debt 0%, so the scan counts twelve months of rent per year. Letting agent fee 0%; your monthly figure counts as one running-cost item, so ground rent, service charge, utilities, insurance and maintenance all belong inside it. Rent indexation, cost indexation and value growth are all 0%. The loan is £269,500, the LTV percentage on the market value with a tenant in place, over a term of 30 years with 2.0% straight-line repayment per year on top of the interest. In the full calculator you enter every one of these items yourself.
All return figures on this page are calculated before tax; income, capital gains, or corporate tax is not included.
You can look around without an account. As soon as you enter a figure of your own, the tool asks you to sign up.
What the scan does and does not do
The scan asks for the items that move the outcome most and leaves the rest at zero. Everything left at zero is listed under the result, with its figure. So you know exactly what the answer rests on, and where it will still shift once you fill in the rest.
What the full calculator adds
In the tool you enter voids, management, maintenance, insurance and property tax separately, pick a repayment type per loan part and stack several finance parts side by side. You get the multi-year projection, the scenario comparison, the exit calculation and a report in pdf.