Analysis Terminal
Deal Analysis
Pick a calculator above — every figure updates live as you type. No sign-up needed to try.
How to use Buy-to-Let Calculator
- 1.Enter the purchase price, deposit %, mortgage rate and loan term.
- 2.Add the monthly rent and annual running costs.
- 3.Review cashflow, yield and ROI — figures recompute live as you type.
Tip: Switch tabs above for HMO, BRR, GDV, Airbnb and more.
BTL Calculator
Deal-centric buy-to-let modelling across the 5-country PropTerminal data system.
Not financial advice — outputs are estimates from your inputs. Read the full terms.
Key Inputs
Type a full postcode and it looks up automatically — auto-filling the purchase price and rent from verified local area data. Every field stays fully editable, or skip this and type your own numbers.
🇬🇧SDLT, tenure rules, HM Land Registry and VOA benchmarks apply
£ 45,000 deposit · GBP
Estimated SDLT/legal/survey costs: approx. £9,000 · Varies by buyer status, property price, tenure and UK tax rules. Not legal or tax advice.
Optional — sharpen the numbers
Percentages of annual rent. Realistic voids, letting management and maintenance allowances give a truthful net cashflow — leave at 0 to ignore.
Advanced inputs (optional)
Investment Snapshot
🇬🇧 GBP£87 GBP
7.33%
£9,000 GBP
1.93%
£813 GBP
£54,000 GBP
AI Deal Score
52
/100
High-Risk Deal
AI Deal Score
Projected returns
Est. 10yr return
£72,348 GBP
Annualised ROI
13.40%
10yr capital gain
£61,905 GBP
Equity at year 5
£88,521 GBP
Deeper analysis
Live — updates with your inputsTax & Net Return
Net yield after tax
1.62%
Before vs after tax cashflow
£87 GBP → -£32 GBP
Before tax: £87 GBP · After tax: -£32 GBP
Section 24 impact
No extra cost
No additional impact at basic rate
Stress Tests
Void impact (2 wk)
£12,692 GBP
Annual rent after 2 week void
Interest rate stress (7%)
-£54 GBP/mo
Cashflow at 7%
Rent in 5 yrs — bear (1%/yr)
£1,156 GBP
Rent in 5 yrs — base (3%/yr)
£1,275 GBP
Rent in 5 yrs — bull (5%/yr)
£1,404 GBP
Equity & Refinance
Equity at year 5
£88,521 GBP
Equity at year 10
£141,104 GBP
Equity at year 15
£204,836 GBP
Releasable yr 5 (75% LTV)
£36,354 GBP
Benchmarks
Break-even rent
£1,013 GBP/mo
Your rent is £87 GBP above break-even ✓
Return vs BoE base rate (5.25%)
7.33%
Your yield is above the BoE ref rate — landlord premium present ✓