Portfolio and buy to let calculators
Tools that model the numbers behind a portfolio: the interest cover ratio the rent provides, the stress test a lender applies, and the borrowing the portfolio supports. They run in your browser and are indicative only.
These calculators run the figures behind a buy to let or portfolio case: the rent against the lender's stress rate, the interest cover ratio it produces, and the loan that supports. They run entirely in your browser, update as you type, and store nothing. Use them to pressure-test a case before you bring it to us, then send us the detail and we will tell you what is fundable and how best to structure it.
Buy to let mortgage calculator
Size the maximum loan the rent supports at any borrower type, and check a loan you have in mind against the lender's stress test.
Open calculator → SPV max loanLimited company mortgage calculator
See what an SPV can borrow at 125 percent interest cover, compared side by side with holding the same property personally.
Open calculator → Tax comparisonLimited company vs personal calculator
Compare the after tax cash from holding a buy to let personally against a company over 5 or 10 years, with Section 24 applied.
Open calculator → SDLT, LBTT, LTTLandlord stamp duty calculator
Work out the stamp duty with the additional dwelling surcharge across England and NI, Scotland and Wales, with a band by band breakdown.
Open calculator → Portfolio landlordPortfolio LTV and ICR calculator
Model aggregate loan to value, rent weighted interest cover and borrowing capacity across four or more properties at once.
Open calculator → Gross and netRental yield calculator
Work out the gross and net yield on a buy to let from the price, the rent and the annual running costs.
Open calculator →From a working number to a funded deal
Send us the portfolio and the rents. We model the interest cover across the market and place the facility that fits.