Property tools

Plan a purchase, compare a rental return or work out the costs. Choose a calculator and check its assumptions.

• DSR calculator

  Compare your debt service ratio before and after a new monthly repayment.

• Loan affordability

  Turn income and existing commitments into an estimated loan range.

• Mortgage

  See monthly repayments, interest and the remaining balance.

• Stamp duty

  Estimate transfer and principal-loan duty, with each tier explained.

• Tenancy stamp duty

  Calculate original duty and additional counterparts separately.

• RPGT

  Separate estimated gains tax from completion retention.

• Legal fees

  Estimate sale-and-transfer and financing fees without double counting.

• Total cash needed

  Plan closing cash, and subtract your paid deposit once.

• Rental yield

  Compare gross return, net income and cash-on-cash return.

• Agent commission

  Separate the client fee, service tax and agreed fee splits.

Estimates for planning. No bank approval or transaction is created.