Free tool
Property Deal Analyser
Run the numbers on any UK deal — BTL, HMO, BRR, flip, rent-to-rent, serviced accommodation or PLO. BMV, yield, ROI, cashflow and the maximum you can offer for a target return. Free and instant.
Stress test
If things move against you
The same cashflow maths, re-run at a higher rate, lower rent and a void month — pure arithmetic, no forecast.
| Scenario | Cashflow / mo | ROI |
|---|---|---|
| Today | £996 | 31.0% |
| Rate +1% | £933 | 29.1% |
| Rent −5% | £908 | 28.3% |
| 1-month void | £850 | 26.5% |
Self-managed cashflow on the figures you entered. Other running costs are held fixed in each scenario, so these are conservative — a guide, not a forecast.
Full breakdown
BMV
20.0%
Gross yield
21.1%
ROI (self)
31.0%
ROI (managed)
24.5%
Cashflow (self, pcm)
£996
All-in capital
£38,500
SDLT
£5,000
Max offer for 20% ROI: £141,000
SDLT includes the 5% additional-property surcharge. Individual BTL landlords: mortgage interest relief is restricted (Section 24) — check your own tax position. Informational only — not financial advice.
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Open the Property Pack Maker →This calculator is for guidance only and does not constitute financial, tax, mortgage or investment advice. Figures are estimates — always seek professional advice and verify costs before committing to a purchase.