How much can I borrow for a mortgage UK?

UK lenders typically offer 4-4.5 times your annual income, though some stretch to 5-6x for high earners. On a £50,000 salary, you could borrow approximately £200,000-£225,000. Your deposit, credit score, existing debts, and the lender's criteria all affect the final amount.

What is a good rental yield?

A gross rental yield of 5-8% is generally considered good for UK buy-to-let investments. Net yield (after expenses like mortgage, maintenance, void periods, and management fees) of 3-5% is solid. Yields vary significantly by location — northern cities often offer higher yields than London.

How much is stamp duty in the UK?

UK stamp duty rates for residential property start at 0% for the first £250,000, then 5% up to £925,000, 10% up to £1.5 million, and 12% above that. First-time buyers pay nothing on the first £425,000. Buy-to-let and second homes attract an additional 3% surcharge on all bands.

What is bridging finance used for?

Bridging finance is a short-term loan (typically 1-18 months) used to bridge a gap in funding. Common uses include buying a property at auction, purchasing before your current property sells, renovation projects, and chain-break situations. Interest rates are typically 0.4-1.5% per month.

Free Property Calculators — Mortgage, Rental Yield, Stamp Duty

🏠 Mortgage Calculator

Calculate monthly repayments, total cost, and interest for any mortgage amount, rate and term.

Property Price (£)

Deposit (£)

Interest Rate (% annual)

Mortgage Term (years)

Repayment Type

✓ Your Mortgage Breakdown

Monthly Payment

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Loan Amount

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Total Repaid

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Total Interest

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LTV Ratio—

💡 How It Works

What It Does

Calculates your monthly mortgage payment and total cost over the full term, for both repayment and interest-only mortgages.

Why It Matters

Understanding total cost helps you compare deals. A 0.5% rate difference on a £270K mortgage can save or cost over £20,000 across the term.

Pro Tip

A larger deposit reduces your LTV ratio, which unlocks better rates. The sweet spots are 10%, 15%, 25%, and 40% deposit levels.

Formula (Capital & Interest):
M = P × [r(1+r)^n] ÷ [(1+r)^n − 1]
P=loan, r=monthly rate, n=total months

🔑 Rental Yield Calculator

Evaluate buy-to-let investments by calculating gross and net rental yield with running costs factored in.

Property Purchase Price (£)

Monthly Rent (£)

Annual Costs (£ — insurance, maintenance, management)

Void Periods (weeks/year)

Monthly Mortgage Payment (£ — if applicable)

✓ Your Rental Yield Analysis

Gross Yield

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Net Yield

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Annual Rent

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Monthly Cashflow

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💡 How It Works

What It Does

Calculates both gross yield (before costs) and net yield (after costs, voids, and mortgage), giving you the true picture of investment returns.

Why It Matters

Gross yield alone is misleading. After management fees, maintenance, insurance, and void periods, a 5.7% gross yield might be only 3.2% net.

Pro Tip

Aim for 5%+ gross yield in the UK. Factor in 10–15% for management, 2–4 weeks voids per year, and set aside 10% of rent for maintenance.

Formulas:
Gross Yield = (Annual Rent ÷ Price) × 100
Net Yield = ((Annual Rent − Costs − Voids) ÷ Price) × 100

🏗️ Bridging Finance Calculator

Estimate the total cost of short-term bridging finance, including interest, arrangement and exit fees.

Loan Amount (£)

Loan Term (months)

Monthly Interest Rate (%)

Arrangement Fee (% of loan)

Exit Fee (% of loan)

Valuation Fee (£ flat)

Legal Fees (£ flat)

✓ Bridging Finance Breakdown

Total Cost of Finance

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Monthly Interest

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Total Interest

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Effective Annual Rate

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💡 How It Works

What It Does

Calculates the full cost of a bridging loan — not just the interest, but arrangement fees, exit fees, valuation, and legal costs combined.

Why It Matters

Bridging loans look cheap at 0.7% per month, but fees can add 3–5% to the total cost. You need the full picture before committing to a deal.

Pro Tip

Always calculate the effective annual rate (EAR) for true comparison. A 12-month bridge at 0.75%/month with 2% in + 1% out = roughly 14% true annual cost.

Formulas:
Total Interest = Loan × Monthly Rate × Term
Total Cost = Interest + Arrangement + Exit + Valuation + Legal

📜 Stamp Duty Calculator

Calculate UK Stamp Duty Land Tax (SDLT) for residential properties, including the additional rate for second homes and buy-to-let.

Property Price (£)

Buyer Type

Country

✓ Stamp Duty Breakdown

Total Stamp Duty

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Effective Rate

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💡 How It Works

What It Does

Calculates UK Stamp Duty using the current banded rates for England & Northern Ireland. Supports standard buyers, first-time buyers, and the additional 5% surcharge for second homes.

Why It Matters

Stamp duty is one of the largest upfront costs of buying property. On a £350,000 home, you could pay anywhere from £0 (FTB) to £20,000+ (additional property).

Pro Tip

First-time buyers pay no stamp duty on the first £300,000 (up to £500,000 total). Additional property buyers pay a 5% surcharge on every band from April 2025.

Current SDLT Bands (April 2025):
£0–£125K: 0% · £125K–£250K: 2%
£250K–£925K: 5% · £925K–£1.5M: 10%
£1.5M+: 12%
+5% surcharge on additional properties

Smart Tools for
Property Investors

🏠 Mortgage Calculator

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🔑 Rental Yield Calculator

💡 How It Works

🏗️ Bridging Finance Calculator

💡 How It Works

📜 Stamp Duty Calculator

💡 How It Works

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🏗️ Bridging Finance Calculator

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📜 Stamp Duty Calculator

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