Calculators & guides
Everything in one place, grouped by what you're trying to do.
Portfolio landlords
Tax, structure and borrowing power for landlords with several properties.
CalculatorPortfolio restructure calculatorPersonal name or limited company: tax, borrowing power and the cost of moving.Example: company rent test at125% vs 145%CalculatorSection 24 calculatorWhat the mortgage interest restriction costs you each year.Example: 5-property landlord pays extra£7,200/yrGuideIncorporating a portfolioIncorporation relief, stamp duty, CGT and how the company refinance works.GuideTransfer a property to your companyThe finance steps: new SPV mortgage, director's loan deposit, timing ERCs.GuideLimited company buy-to-let125% vs 145% rent tests, SIC codes, guarantees and when a company makes sense.
Buy-to-let calculators
Run the numbers before you speak to a lender.
CalculatorBuy-to-let mortgage calculatorPayments, LTV, fees in the rent test, and the most you can borrow.Example: £200k loan needs rent of£1,127/moLive ratesLive product sourcingReal buy-to-let, HMO, multi-unit and commercial products with payments and rent tests.Products on the panel2,000+CalculatorStamp duty calculatorSDLT with the additional-property surcharge, mixed-use and multiple dwellings.Example: £250k buy-to-let£15,000CalculatorInterest only vs repaymentMonthly payments and total interest on the same loan.CalculatorBridging loan calculatorThe true cost of a bridge: interest to exit, fees and the real monthly rate.CalculatorLease extension calculatorEstimate the premium to extend a short lease, and the 80-year cliff.
Guides
Plain-English guides to the finance itself.
GuideBuy-to-let depositFrom 20%, HMOs included. Gifts, equity release, director and intercompany loans.Guide + calculatorBlock of flats mortgagesWhole blocks up to 80% LTV, lending on aggregate value, and title splitting.Aggregate vs block value10–25% moreGuide + calculatorHMO mortgagesUp to 80% LTV, licensing, valuations, and what your room rents will borrow.Small and large HMOsup to 80%Guide + calculator80% LTV buy-to-letA 20% deposit, HMOs and companies included, and whether your rent passes at 80%.Smallest deposit20%Guide + calculatorRemortgage within 6 monthsRefinance early, with or without works, and see how much money comes back out.GuideCommercial mortgagesOwner-occupied vs investment, semi-commercial and mixed-use, with a payment calculator.Guide + calculatorOwner-occupied commercialBuy your business premises: up to 80% LTV, tested on your profits.Strong trading businessesup to 80%Guide + calculatorCommercial investmentLet shops, offices and units: how lenders stress test the rent and the lease.
Checks and lender lists
Look things up before you commit.
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Start an enquiryFrequently asked questions
Are the calculators free?
Yes. They're free to use, and nothing you type is sent to us unless you choose to start an application.
Are the results a mortgage offer?
No. They're illustrations based on typical lender criteria. A broker checks your actual case against each lender's criteria.