INVESTMENT TOOLS
Property Investment Calculator
Calculate rental yield, mortgage payments, stamp duty, and full ROI before you commit to any acquisition.
Property Details
Enter figures to calculate your full investment return.
Tip: 25% deposit = £71,250
Investment Analysis
Results update as you type.
GROSS YIELD
6.3%
Above average
MONTHLY CASHFLOW
+£312
After mortgage payments
ANNUAL ROI
25.3%
Return on cash invested
STAMP DUTY (SDLT)
£10,300
Includes 3% BTL surcharge
5-Year Total Return
£89,970
Monthly Mortgage Payment
£1,188
Total Upfront Costs
£85,825
Break-even Point
22.9 years
What is a good yield?
A gross yield above 5% is considered good in the UK. Above 7% is strong. London typically yields 3–4% while Manchester and Leeds offer 6–8%.
BTL Stamp Duty explained
Buy-to-let and second homes attract a 3% surcharge on top of standard SDLT rates. On a £285,000 property this adds £8,550 to your upfront costs.
5% annual appreciation
Our ROI model uses a conservative 5% annual capital growth assumption based on the UK 20-year average. Use our AI Score for area-specific predictions.