Question 1

Which calculator should I start with?

Accepted Answer

If you're buying a home to live in, start with Affordability to set a price ceiling, then Mortgage and Stamp Duty. If you're investing, start with Rental Yield, then BTL ROI to factor in leverage and cash invested.

Question 2

Are the figures region-specific?

Accepted Answer

The Mortgage, Affordability, Rental Yield, BTL ROI, Airbnb Profit, and Flip calculators work in any currency. Stamp Duty uses UK SDLT bands (England & Northern Ireland). Scotland (LBTT) and Wales (LTT) use different bands.

Question 3

Do these include taxes?

Accepted Answer

Mortgage and yield tools focus on cashflow, not tax. UK landlords face restricted mortgage interest relief (Section 24), and flip profit is taxed under CGT or income tax. Apply your effective rate to the headline result.

Question 4

What's the difference between rental yield and BTL ROI?

Accepted Answer

Yield measures the return on the property's value (gross or after running costs). BTL ROI measures cash-on-cash return — what your invested deposit and fees actually earn each year, accounting for leverage.

Question 5

How accurate is the Airbnb profit calculator?

Accepted Answer

It's a planning tool: model realistic occupancy (often 55–75% for established listings), include your real cleaning and management costs, and budget a maintenance reserve. Actual results swing with seasonality and reviews.

Question 6

Can overpayments really save that much interest?

Accepted Answer

Yes — even small monthly overpayments compound over decades. Try the Early Payoff calculator with a £100–200/month overpayment to see typical savings on a 25–30 year mortgage.

Property & Affordability Calculators

All property calculators

Mortgage Calculator

Early Payoff

Affordability

Stamp Duty

Rental Yield

BTL ROI

Airbnb Profit

Flip Profit

Where should I start?

🏠 Buying a home

📈 Buy-to-let investor

🔨 Already a homeowner

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