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 at 5.5% stress, 125% cover needs£1,146/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£15,000CalculatorRepayment calculatorInterest only, part repayment or full repayment, with the true rate after fees and the LTV at the end.Example: £1.5m, 75% to 70% LTV over 5 years£9,540/moCalculatorInterest 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.Market commentaryRate outlookWhy fixed rates follow swaps and gilts, not the base rate, and what that changes about a deal now.5-year swap, 19 Oct 20264.75%
Bridging finance
Short-term finance to buy, refurbish, break a chain or finish a development, and the mortgage that repays it.
GuideBridging loansRegulated and unregulated bridging for landlords and homeowners, costs and exits.GuideRegulated bridgingBuy your next home before you sell, with the FCA’s protections.GuideDevelopment exit financeRepay the build loan and take time to sell or let the units.CalculatorBridging loan calculatorThe true cost of a bridge: interest to exit, fees and the real monthly rate.
Guides
Plain-English guides to the finance itself.
Guide + live ratesBuy-to-let mortgagesToday's rates on our panel, the minimum deposit, the rent test and who can borrow.Rates ranked ontrue costGuideBuy-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 85% LTV for landlords with 1–3 properties, licensing, valuations, and what your room rents will borrow.Landlords with 1–3 propertiesup to 85%Guide + calculator80% and 85% LTV buy-to-letA 20% deposit, or 15% for landlords with 1–3 properties, and whether your rent passes.Smallest deposit20%Guide + calculatorBuy-to-let remortgageFix ending? The new payment, the rent test, and switching vs remortgaging.Average new BTL rate, Q2 20264.82%Guide + calculatorRemortgage within 6 monthsRefinance early, with or without works, and see how much money comes back out.GuideCommercial mortgagesOwner-occupied vs investment, live commercial rates and a payment calculator.Guide + calculatorSemi-commercial mortgagesA shop with a flat above or mixed use: live rates, up to 75% LTV, and which rent counts.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.
Rather talk it through?
Tell us about the property or portfolio and a broker will come back to you within one working day.
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.