Free UK landlord calculators
Mortgages, yield, tax, stamp duty, remortgage timing and multi-year cashflow with scenario charts. Illustrative only - no account needed.
Mortgages & borrowing
BTL mortgage calculator
Estimate max loan, LTV and monthly payments using rent, stress rate and ICR - the same cover checks UK lenders use.
MortgageICRLTVHow much can I borrow?
Work out the maximum buy-to-let loan your rent can support at a chosen stress rate and ICR threshold.
BorrowingRent coverInterest-only BTL calculator
Calculate monthly and annual interest-only payments on a buy-to-let loan, with an optional repayment comparison.
Interest-onlyPaymentsICR / stress-test calculator
Check rental cover at pay rate and stress rate, and see the rent or max loan needed to pass lender ICR.
ICRStress testPortfolio stress tester
Stress-test multiple buy-to-let loans at once - see which properties pass ICR and how the whole portfolio covers.
PortfolioChartsRemortgage savings calculator
Compare current vs new BTL rates, factor in ERC and fees, and see months to break even and 5-year net saving.
RemortgageSavingsFix-end remortgage countdown
Count down to your fixed-rate end date and estimate the payment change if you remortgage at a new rate.
Fix endCountdownERC calculator
Estimate the early repayment charge on a mortgage using a percentage of the loan or a fixed amount.
ERCFeesDeposit needed calculator
Work out deposit cash from target LTV, plus stamp duty and purchase fees to complete a BTL buy.
DepositLTV
Yield, deals & cashflow
BTL purchase costs calculator
Total cash needed for a BTL purchase - deposit, stamp duty, fees, setup costs and a rent buffer.
PurchaseCash neededRental yield calculator
Work out gross and net yield from purchase price, rent and running costs - including voids and management fees.
Gross yieldNet yieldDeal analyser & cashflow
Pro deal studio with cashflow lines, stress presets and Monte Carlo fan charts for rate, void and growth risk.
CashflowScenariosChartsHMO yield calculator
Calculate gross and net yield for an HMO from room rents, voids and annual running costs.
HMORoom rents
Tax & stamp duty
BTL stamp duty calculator
Estimate England & NI SDLT on an additional dwelling / buy-to-let purchase, including the higher-rate surcharge.
SDLTSurchargeLandlord tax calculator
Illustrate Section 24 finance-cost restriction, basic-rate tax credit and how much extra tax landlords may pay.
Section 24TaxLtd vs personal tax compare
Side-by-side illustration of Section 24 personal ownership versus limited company corporation tax (and optional dividends).
Ltd companyCompare
Operations & compliance
Void cost calculator
See what empty weeks and rent arrears really cost once holding costs are included.
VoidsArrearsRental affordability calculator
Estimate a tenant's maximum affordable rent from income, commitments and a rent-to-income rule of thumb.
AffordabilityTenantsRent increase calculator
Work out the new rent and annual uplift from a percentage increase or a target monthly figure.
Rent increaseCompliance cost planner
Plan gas safety, EICR, EPC, legionella and licensing renewals over the next 12-24 months with a cost timeline.
ComplianceCalendar
Prefer a walkthrough?
Guides that explain the same numbers - then jump into Property HQ when you are ready.
Buy to let mortgage calculator UK
How lenders size BTL loans using rent, stress rates and ICR.
GuideRental yield calculator UK
Gross vs net yield, voids, and what a good return looks like.
GuideSection 24 tax explained
Finance-cost restriction and how the tax credit works in practice.
GuideInterest coverage ratio for BTL
What ICR means, typical lender thresholds, and how to pass cover.
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