Just four numbers. We'll use sensible UK averages for everything else — you can tweak them later.
£
£
This is the cash you'd put into a property — or invest if you stay renting.
£
Used to estimate tax on rental income.
Yes
No
First-time buyers pay less stamp duty.
⚙️
Adjust assumptions (rates, growth, fees)
%/yr
UK average ~3%.
%
Today's typical: 4–5.5%.
yrs
%/yr
If you invest your deposit instead.
£
£
Solicitor, survey, etc.
If you bought to live in
Here's what your monthly payment would look like, and how the mortgage shifts from interest to equity over time.
Monthly mortgage payment
£0
Loan-to-value: 0%
📊
See how payments split between interest and equity
Year 1 of your mortgage
Year 1Year 25
To equity
To interest
This year's equity
—
This year's interest
—
Balance remaining
—
Equity built so far
—
Interest paid so far
—
Total cost so far
—
▼See full year-by-year schedule
Year
Annual payment
To equity
To interest
Balance
Equity %
Buying to rent out
If you bought this place as an investment, what would tenants pay you in rent?
£
The gross rent tenants would pay each month for this property.
Personally
Ltd company
Personally is simpler. Limited company is best for higher-rate taxpayers building a portfolio.
🏚 Limited company (SPV)
Mortgage interest is fully deductible. Corporation tax 25% on profit. Stamp duty has +3% surcharge. You'll need a specialist BTL mortgage and accountant.
If you stayed renting
Your deposit stays liquid, and you can invest it. Here's what we need to know.
£
What you'd pay to rent something equivalent to the place you'd buy.
💰
I already have other investments
£
ⓘ Your deposit is already included separately. This is just for any extra investments you already hold.