Refurb allowance — adjust if survey/legal pack indicates works.
Bridging
Insurance
Lender arrangement fee
Pack costs
Total acquisition cost—
Current workbench ceiling - risk DERIVED FROM WORKBENCH
—
LTV box is empty. Enter your LTV (0 if you are buying with cash). Cash required, the mortgage, cashflow, stress tests and the 10-year projection are not shown until you do. The lender table below shows each lender's maximum LTV, rate and fee — tap a lender to use its rate and fee.
Capital stack & waterfallDERIVED
Current workbench ceiling
— not set
DERIVED FROM WORKBENCH
Can it finance?
—
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Rate—Max LTV—ICR req.—ICR actual—
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Can it survive stress?
—
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Current CF—At rate +1 pt—At rate +2 pts—4-wk void—
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Is the 10-year return worth it?
—
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5-yr gain—10-yr gain—Cumul. CF—vs alternative—
Base scenario · indicative only
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Deal metrics — BTLDERIVED
Enter purchase price and monthly rent
All metrics will calculate automatically
4 Cash required
—
at 75% LTV
5 Monthly mortgage
—
Interest only
6 Net cashflow / mo
—
↗ ICR
—
lender requirement: see lender table
£ After-tax cashflow
—
choose a tax band
7 Gross yield
—
on purchase price
8 Net yield
—
after running costs, before mortgage · ÷ total cost
9 Cash-on-cash
—
year-1 cashflow before tax ÷ cash in
→ 10-yr gain
—
base caseDERIVED
↑ Exit estimate
—
10yr base
Rule of Thumb quick checkDERIVED
Metric
Threshold
Result
Cashflow (pcm)
≥ £25 · rule of thumb
—
Yield (gross)
≥ 6.0% · rule of thumb
—
ICR (interest cover)
Lender ICR at lender stress
—
Voids
≤ 8% · rule of thumb
—
Price vs ceiling
vs uncertainty range
—
✦Model insight
Enter a purchase price and rent above.
Lender ratesIndicative · Apr 2026 Verify before bidding
Lender
LTV
Rate
ICR
Status
Indicative lender rates — verify with lender/broker before bidding. Not regulated advice. Rates subject to change.
BTL operating assumptionsMANUAL
Monthly rent (pcm) ✏
£/mo
Void allowance ✏
%
Management fee ✏
% of rent
Maintenance ✏
£ / yr
Insurance ✏
£ pcm
Rent growth (pa) ✏
%
Expense inflation ✏
% pa
Selling costs at exit ✏
% of sale
Holding period ✏
years
Ground rent ✏
£ / yr
Service charge ✏
£ / yr
Section 24 — real post-tax cashflowDERIVED
Pre-tax CF
—
Taxable profit
—
Tax liability
—
Real cashflow
—
No tax band chosen — every figure is before tax. Choose Buyer entity (left) for your own Section 24 tax and the Ltd comparison.
Ltd company comparison
Ltd rate
—
Corp tax (UK rates)
—
Est. net CF
—
Stress testsDERIVED
Rate sensitivity
Current rate—
Rate +1 pt—
Rate +2 pts—
Rate +3 pts—
Void sensitivity
0 weeks void—
4 weeks void—
8 weeks void—
12 weeks void—
Break-even
Min gross rent—
Max rate—
Min occupancy—
ICR—
10-year capital intelligence projectionDERIVED
Enter purchase price to see 10-year projections
Base · 5yr gain
—
Base · 10yr gain
—
Best alternative (10yr)
—
Year
Property value
Mortgage bal.
Equity
Cumul. CF
Gain vs cash in
Cash invested
—
Mortgage rate used
—
If not remortgaged when the fix ends
—
What the deal needs · property growth per year · after tax
To break even
—
To beat the 10-yr gilt
—
To beat 2-yr savings
—
To match Bank Rate
—
What this area has done · UK HPI · history, not a forecast · gain after tax if repeated
Last decade
—
Worst decade
—
Best decade
—
Worst growth %
%
Base growth %
%
Best growth %
%
Rent growth %
%
✦Enter purchase price and monthly rent to generate the evidence summary.
For informational purposes only. Not financial advice. Tax estimates are indicative — consult a qualified accountant and solicitor before completing any property transaction. Capital growth projections are scenario modelling only. LegalSmegal Technologies is not regulated by the FCA.