Calculators · Property

Property Calculators

Mortgage affordability, BTL yield, first-time buyer schemes and more. Everything you need to run the numbers on a property decision.

How much can you borrow? Income multiples at 4x, 4.5x and 5x — with a stress test at a higher rate.

Compare mortgage deals by total initial period cost, not just monthly payment. Arrangement fees make a big difference.

What overpaying actually saves you. Compare against investing the difference — with a month-by-month simulation.

When do savings from a lower rate offset your exit fees, arrangement fee and legal costs? The exact break-even month.

Lower payments now, or owning the property outright at the end? The total interest gap over a full term is larger than expected.

LISA, Shared Ownership, First Homes and Mortgage Guarantee — which ones you're eligible for and what each is actually worth.

Gross yield, net yield and monthly cash flow for any UK rental property. Know whether the numbers work before you buy.

Which really builds more wealth? Month-by-month simulation accounting for deposit opportunity cost, maintenance, and house price growth.