Refurb allowance — adjust if survey/legal pack indicates works.
Bridging
Insurance
Total acquisition cost—
Current workbench ceiling - risk DERIVED FROM WORKBENCH
—
Flip — refurb & sell
Post-refurb value (ARV/GDV)
£
Refurbishment cost
£
Project duration (months)
Refinance LTV
Selling costs %
%
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%—At rate +2%—4-wk void—
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Is the 10-year return worth it?
—
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5-yr value—10-yr value—Cumul. CF—vs savings—
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
—
min 125–145%
% ROI
—
ann. rent / cash in
7 Gross yield
—
on purchase price
8 Net yield
—
after costs
9 Cash-on-cash / ROCE
—
annualised
→ 10-yr NPV
—
base caseDERIVED
↑ Exit estimate
—
10yr base
RevPAN
—
Monthly net
—
Annual gross
—
Break-even occ.
—
Platform /yr
—
Cleaning /yr
—
Utilities /yr: —
Total costs /yr: —
SA net /mo: —
SA premium vs BTL: —
BTL equiv: —
90-day rule: Check council
50% occ
—
60% occ
—
70% occ
—
80% occ
—
Post-refurb ARV
—
Refinance
—
Cash released
—
Total invested
—
Left in deal
—
Min ARV zero-in
—
New mortgage
—
Net yield ARV
—
Post-refi CF
—
ROCE cash left
—
Projected gross profit DERIVED
—
Potential purchase price
—
Premium + admin
—
SDLT
—
Legal & survey
—
Refurbishment
—
Bridge interest
—
Selling costs
—
Total project cost
—
ARV
—
Profit on GDV
—
Profit on cost
—
Ann. ROI
—
CGT
—
GDV
—
Profit on GDV
—
Residual land
—
Planning gain
—
HMO room breakdown
Room
Rent/mo
Occ.
Annual
Live 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.
Rule of Thumb quick checkDERIVED
Metric
Threshold
Result
Cashflow (pcm)
≥ £25
—
Yield (gross)
≥ 6.0%
—
ICR (interest cover)
≥ 125%
—
Voids
≤ 8%
—
Ceiling margin
≥ 10%
—
✦Model insight
Enter a purchase price and rent above.
BTL operating assumptionsMANUAL
Monthly rent (pcm) ✏
£/mo
Void allowance ✏
%
Management fee ✏
% of rent
Maintenance ✏
£ pcm
Insurance ✏
£ pcm
Rent growth (pa) ✏
%
Expense inflation ✏
%
Reversion yield ✏
%
Holding period ✏
years
Section 24 — real post-tax cashflowDERIVED
Pre-tax CF
—
Taxable profit
—
Tax liability
—
Real cashflow
—
Ltd company comparison
Ltd rate
—
Corp tax 19%
—
Est. net CF
—
Stress testsDERIVED
Rate sensitivity
Current rate—
Rate +1%—
Rate +2%—
Rate +3%—
Void sensitivity
0 weeks void—
4 weeks void—
8 weeks void—
12 weeks void—
Break-even
Min gross rent—
Max rate—
Min occupancy—
ICR—
Switch to a rental strategy (BTL / HMO / SA) to see stress tests.
10-year capital intelligence projectionDERIVED
Enter purchase price to see 10-year projections
Base · 5yr return
—
Base · 10yr return
—
Savings rate (10yr)
—
Year
Property value
Mortgage bal.
Equity
Cumul. CF
Total wealth
Cash invested
—
BoE base rate 10yr (4.3%)
—
Best savings acc. (4.6%)
—
UK Gilts 10yr (4.1%)
—
This property — base case (10yr)
—
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 Ltd is not regulated by the FCA.