Property Tools
Free calculators to help you plan your property purchase — from mortgage repayments to stamp duty costs.
Affordability Calculator
Find out how much you could borrow based on your income, expenses, and deposit — including a lender stress test.
Buy vs Rent Calculator
Compare the long-term financial impact of buying versus renting, factoring in property growth, investment returns, and all costs.
Mortgage Calculator
Calculate your monthly mortgage repayments, total interest, and total cost based on property price, deposit, and interest rate.
Stamp Duty Calculator
Calculate UK Stamp Duty Land Tax for your property purchase, with first-time buyer relief and additional property surcharge.
Residential Purchase
Estimate all the costs of buying a UK home — stamp duty, solicitor, surveyor, broker fees, and total cash required on day one.
Commercial Purchase Cost Calculator
Model upfront capital for UK commercial or mixed-use freeholds and new leases: non-residential SDLT, VAT-inclusive basis, lease rent NPV tax, and typical legal, lending, and survey fees.
Commercial Property OpEx
Annual and monthly building operating costs — insurance, maintenance, standing utilities, compliance, service charge, and business rates when vacant (asset-level, no rent or finance).
Overpayment Calculator
See how much interest you can save and how many years earlier you can pay off your mortgage by making regular overpayments.
Rental Yield Calculator
Calculate gross and net rental yield for buy-to-let investments based on purchase price, monthly rent, and annual expenses.
Equity Release Calculator
Model multiple properties to estimate max remortgage borrowing by LTV, then see net release after product, legal, valuation, and broker fees.
Keep vs Sell (After Tax)
Compare net proceeds after selling costs and CGT against a hold scenario using projected growth and rental cashflow.
Mortgage vs Invest
Compare whether to pay off mortgage, invest in stocks, or release equity to buy another property using side-by-side net worth projections.
Need another tool or have a suggestion?
We're always adding new calculators. Let us know what you'd find useful.
Get in TouchImportant disclaimer
Content on this site is for educational and planning purposes only and does not constitute regulated financial advice. Always assess your own circumstances and seek guidance from a qualified adviser where appropriate. See the full disclaimer.