Free UK landlord and property investment calculators

Calculate stamp duty, rental yields, landlord taxes, mortgage affordability and property returns using free UK-focused investment tools.

Property market update — June 2026

SDLT surcharge: 5% on additional residential properties (England and Northern Ireland)

Typical BTL rates: 4.5%–5.5% for 75% LTV two-year fixed products

CGT rates: 18% basic rate, 24% higher rate on residential property gains

MTD for landlords: Digital tax returns required from April 2026 for landlords earning over £50,000

Source: HMRC / GOV.UK. Reviewed June 2026.

Property purchase

Calculate the upfront costs of buying a rental property.

Stamp Duty calculator

Updated

Calculate SDLT on buy-to-let and second properties, including the 5% additional property surcharge.

Limited company SDLT calculator

Compare stamp duty when buying through a limited company versus buying personally.

Mortgage and finance

Work out borrowing capacity and monthly repayments.

Mortgage affordability calculator

Find your maximum buy-to-let borrowing based on rental income and lender stress tests, including the interest coverage ratio (ICR).

Mortgage repayment calculator

Updated

Compare interest-only and repayment mortgage costs, with a rate sensitivity table showing how rate changes affect your payments.

Rental income

Measure the performance of a rental property.

Rental yield calculator

Calculate gross and net rental yield from purchase price, monthly rent and running costs.

Property ROI calculator

Work out your return on investment including mortgage leverage, cash flow and capital growth.

Void period calculator

See how much an empty property costs you each week in lost rent, council tax and utilities.

Tax

Estimate your tax liabilities as a landlord.

Capital Gains Tax calculator

New

Calculate CGT when selling a rental property, including Private Residence Relief and your 60-day reporting deadline.

Section 24 calculator

See how the mortgage interest relief changes affect your tax bill, and compare personal versus limited company ownership.

Compliance

Understand your legal obligations and their costs.

HMO licence calculator

Check whether your property needs an HMO licence and estimate the licensing costs in your local authority.

Landlord insurance calculator

Estimate typical landlord insurance costs based on property type, value and cover level.

Updated information

Rates last reviewed

June 2026

Methodology reviewed

April 2026

Tax year

2025/26

Quick guides

First-time landlord guide

SDLT explained

Section 24 explained

HMO rules explained

Need professional advice?

A qualified adviser can review your specific circumstances. This service can introduce you to regulated professionals.

Find a mortgage broker

Official resources

GOV.UK — SDLT guidance

HMRC — property tax guidance

Companies House

Valuation Office Agency

Featured guides

Plain-English explanations of the rules that affect UK landlords.

Landlord tax changes 2025/26

What changed this tax year: CGT rates, MTD requirements, and allowance updates.

Updated June 2026

How to calculate rental yield

Gross versus net yield, what counts as a good yield, and the costs people forget.

Updated April 2026

SDLT for second homes

How the 5% surcharge works, when it applies, and how to claim a refund.

Updated April 2026

Limited company property investing

The tax differences between personal and company ownership, with worked examples.

Updated March 2026

HMO compliance guide

Licensing, minimum room sizes, fire safety, and what councils inspect.

Updated March 2026

Buy-to-let mortgage guide

How BTL mortgages differ, interest coverage ratios, and what lenders stress test.

Updated June 2026

Frequently asked questions

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This service is not affiliated with, endorsed by, or part of the UK Government, HMRC, or GOV.UK. Information provided is based on publicly available data and is intended for estimation purposes only. It does not constitute financial, tax, mortgage, legal, or investment advice. Always verify figures and eligibility requirements with HMRC, GOV.UK, your lender, accountant, solicitor, or other qualified professional before making financial decisions.

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