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Buy-to-Let Analyser

Should you take this buy-to-let?

A full deal appraisal — Stamp Duty, cashflow after tax, return on the cash you put in, and the lender stress test — then plot what happens to your returns as you build a portfolio.

The property

£
75% LTV
£
%
£
£
£

The letting

£
%
%
£
£
£

You & ownership

£
Monthly cashflow after tax
£0
· £0 per year
Return on cash
0%
Net yield
0%
Stamp Duty
£0
Cash needed upfront
£0
Lender stress test

Annual cashflow

Tax

Cash needed upfront

Portfolio plotter

Personal vs company, as you scale up

Both ownership routes are plotted together so you can watch the gap open up. Switch what the chart shows below.

5 properties
112 properties

Why personal and company differ so much

Projection

Capital growth & exit over time

Projects this one property — held in your selected structure — with prices and rent growing each year, then the sale at the end (selling costs and the tax on the gain included).

3.0%
0%8%
3.0%
0%8%
10 years
130
%

Chart shows equity (value − mortgage) before sale; selling costs and tax are deducted in the breakdown below.