For UK landlords & property investors
Type in the price, rent and mortgage for up to 10 properties and see what each one really costs to buy, what it earns every month before and after tax, whether it passes a lender's stress test, and whether it meets your own targets. Then every deal is ranked side by side.
Screens from the included example file. All names and figures are fictional.
The list
(unchanged for 2026/27), the 5% higher rates for additional properties and companies, first-time buyer relief and the 2% non-UK resident surcharge. The rates sit on Settings so you can edit them if they change
A band-by-band breakdown for any price, checked against three worked examples published on gov.uk
Up to 10 properties side by side. Buying costs, refurb and contingency, mortgage (interest only or repayment), rent, voids, management, maintenance, insurance, service charge, certificates and bills
Total cash needed, monthly and annual cashflow, gross and net yield, cash-on-cash return, break-even rent and break-even interest rate
Individuals at basic, higher or additional rate with the 20% finance cost credit (Section 24), the 22/42/47% property income rates from 6 April 2027, or a company at 19% or 25% Corporation Tax
Your ICR at the stress rate, pass or fail, and the biggest loan your rent supports
End value after works, new mortgage, cash released, money left in the deal and the return after refinancing
Compare
| Feature | Paper or notes | A blank spreadsheet | This analyser |
|---|---|---|---|
| Stamp Duty calculator | ✗No | ~ If you build it | ✓ Built in |
| Deal analyser | ✗No | ~ If you build it | ✓ Built in |
| Results | ✗No | ~ If you build it | ✓ Built in |
| After-tax estimate for each deal | ✗No | ~ If you build it | ✓ Built in |
| Lender stress test | ✗No | ~ If you build it | ✓ Built in |
| Cost | Free, plus your time | Free, plus your time | £17.99 once |
What's inside
Is it right for you?
How it works
Stamp Duty rates, default mortgage, voids and fees, tax position and targets (about 3 minutes)
One column per property, leave a cream cell blank to use your default
Test rent and rate changes on Sensitivity.
The offer
£17.99one-off · no subscription
Price includes VAT where applicable — calculated at checkout. Secure checkout by Payhip.
Digital download, nothing is posted. This analyser is a planning aid, not financial, tax, legal or mortgage advice. Terms & licence.
FAQ
You can view it in the Google Sheets app, but entering deals is easiest on a computer.
This is a digital product. Nothing physical will be shipped. Your download link appears straight after checkout and is also emailed to you.
Yes. Message us at info@phkmedia.co.uk and we'll help you set it up.
