Deal Calculator

Buy • Refurb • Refinance • Rent • Flip

Purchase type

Single property or Scottish portfolio

What are you buying? i

Purchase

Required basics + optional cost detail

Current valuation (£) * i

Purchase price (£) * i

Tax jurisdiction i

Property tax i Auto

Sourcing fee (£) i

Legal fees (£) * i

Refurb costs (£) i

Borrowing (Purchase)

Deposit + mortgage + monthly finance cost

Purchase finance method * i

Deposit % * i

Mortgage % * i

Deposit amount (£) i

Mortgage amount (£) i

Arrangement rate (%) i

Arrangement fee treatment i

Mortgage type i

Interest rate (%) * i

Term (years) (repayment only) i

Monthly mortgage cost (£) i

Bridging details — loan basis, fees and fee classification

Loan basis i

Fixed amount (£) i

Amount entered is i

Rate quoted as

Minimum interest period (months) i

Choose when each fee is paid: Paid upfront (from your cash at completion), Deducted from advance (netted from the loan you receive), Added to loan (increases the facility and accrues interest) or Payable on redemption (settled from refinance/sale proceeds). Each fee is counted once.

Arrangement fee% set in "Bridge arrangement fee" above

Exit fee% set in "Bridge exit fee" above

Broker fee (£)

Valuation / survey fees (£)

Lender legal fees (£)

Borrower legal fees (£)Do not repeat legal fees already entered in "Legal fees".

Other fees (£)

Interest-only uses (loan + arrangement fee) × rate ÷ 12. Repayment uses standard amortisation on (loan + arrangement fee).

Buy-to-let (BTL)

Rent + running costs + yields

Monthly rent (£) * i

Letting agent fee (%) i

Letting agent fee (£) i

Monthly running costs (£) i

Operating-cost breakdown (optional)

If you fill any of these in, they are added together with voids and bad-debt allowances and replace the single "Monthly running costs" figure above (no double counting). Letting fees stay in the letting fee field.

Maintenance (£/mo)

Repairs (£/mo)

Insurance (£/mo)

Factor / service charge (£/mo)

Ground rent / feu duty (£/mo)

Compliance & safety certificates (£/mo)

Utilities (£/mo)

Council tax during voids (£/mo)

Other (£/mo)

Voids allowance (% of rent)

Bad-debt allowance (% of rent)

BTL Refinance (BRR)

Cash-out + money left in + ROI

New market value (£) * i

Refinance LTV (%) i

Refinance interest rate (%) i

Refinance mortgage type i

Refinance term (years) (repayment only) i

Refinanced loan amount (£) i

Refi arrangement fee (£) i

Refi fee treatment i

Other refinance / redemption costs (£) i

Refinanced monthly mortgage (£) i

Net cash released: refi loan − debt repaid (original mortgage including any financed fee, or the full bridge redemption balance including rolled-up interest and exit fees) − any refinance fees and costs taken from the proceeds. Gross borrowing is not cash released. Money left in: total cash invested − net cash released. If money left in is negative, you've pulled out more cash than you originally put in.

Buy-to-Flip

Profit + ROCE

Sale price (£) * i

Months held (default 6) i

Home report / survey / valuation (£) i

Legal fee (sale) (£) i

Estate agent fee (£) i

Deal Assessment

Overview

Scottish transaction tax

LBTT • ADS • MDR

Tax estimates assume a straightforward Scottish portfolio purchase. Multiple Dwellings Relief may reduce LBTT, subject to eligibility and solicitor confirmation.

Tax calculation details

Bridging finance

Bridge

Exit Option — BTL

Hold

Exit Option — BTL Refinancing

BRR

Exit Option — Buy-to-Flip

Flip

How are these figures calculated?

Purchase type

Purchase

Borrowing (Purchase)

Buy-to-let (BTL)

Portfolio breakdown

BTL Refinance (BRR)

Buy-to-Flip

Contact Us

0141 354 8991

contact@calanddunproperty.com