Property Calculators

SDLT, LBTT & LTT for England, Scotland and Wales. First-time buyer relief and additional property surcharge.

Estimate how much you can borrow based on income, deposit, and LTV.

Compare the long-term financial outcome of buying versus renting over 5, 10, or 20 years.

Calculate monthly savings and break-even point when switching mortgage deals.

Estimate solicitor fees, Land Registry, searches, and total legal costs.

Removals, packing, storage, and Royal Mail redirect — total moving budget.

See how much interest and time you save by overpaying your mortgage each month.

Check if you are owed a refund of the 5% additional property surcharge after selling a previous home.

Estimate the amount owed on a Help to Buy equity loan based on current property value.

Estimate rectification costs based on snag count, property size, and developer tier.

Check the maximum deposit a landlord can charge under the Tenant Fees Act 2019.

BCIS-aligned 2025 rebuild cost for buildings insurance, with regional multipliers for London, SE, Scotland, Wales and listed-building uplift.

Gross and net rental yield, return on investment, and yield rating for buy-to-let properties.

Compare HMO and single-let scenarios side by side for yield, income, and occupancy.

Blended gross yield and total income across up to 8 properties in your portfolio.

Income tax on rental profits including Section 24 mortgage interest credit.

CGT on residential property sales at 18% / 24% (Oct 2024 rates), with PRR and letting relief.

Estimate IHT liability using NRB, RNRB, spousal exemption, and charitable relief.

Estimate the statutory premium to extend a leasehold flat using the 1993 Act formula, with marriage value.

Cost to buy additional shares, new mortgage payment, and rent saving after staircasing.

Annual service charge, sinking fund, ground rent, and major works budget.

Cost, annual saving, and payback period for 10 common energy efficiency improvements.

Buyer prompts between offer and exchange — Documents, dates, and lender alignment.

Prepare protocol forms, certificates, and leasehold pack evidence before listing.

Lender rules, donor evidence, and anti-money laundering paperwork prompts.

Educational prompts on shorter leases and lender scrutiny — not a valuation.

Illustrative per-flat monthly share if a block charge split evenly.

Multiply modelled kWh by a tariff you choose — compare with real bills.

Short friction checklist for dependent sales and lender conditions.

When to seek council licensing advice — not a licensing determination.