Tools to maximise your return
Tools to maximise your return
Tools to maximise your return

We can advise you on the best type of buy-to-let properties to go for, the areas to focus on and avoid, and your likely rental return but ultimately only you can decide if the figures work and if the property will work for you. With this in mind we’ve included a few tools which will help you to maximise your return on any investment that you’re considering.

Mortgage Repayment Calculator

When you buy an investment property it is essential that you are able to accurately calculate your mortgage repayments to ensure that the anticipated rent level covers your costs. Our easy monthly mortgage payment calculator helps you work out your likely monthly payments, based on different interest rates and repayment terms.Enter your details below to see how much you’ll be paying each month. Enter numbers only.

Yield Calculator

Our simple yield calculator below allows you to estimate the return on your property investment to ensure that your rental income is sufficient and that the property is a good investment. The yield is the annual rate of return of an investment, expressed as a percentage, and it is crucial that you calculate this prior to purchase. According to Countrywide, nationally, two-bedroom properties currently provide a 6.4 per cent yield on average; at South & Co we advise landlords to aim for a yield of 7% and over.

When calculating your total investment for the property don’t just put the purchase price, you need to include the associated fees as well as any refurbishment or decorating work done. Enter numbers only.

SDLT Calculator

If you buy a property in the UK over a certain purchase price you have to pay Stamp Duty Land Tax (SDLT); this is paid to the government and is charged on the purchase of houses, flats, and other land and buildings. Currently, when you purchase a property over £125000 you have to pay SDLT and this tax must be factored into your costs. Enter the purchase price of the property you are interested in below to see how much you would be liable to pay. Enter numbers only.

Properties with a purchase price of £125000 or below do not require you to pay SDLT:


SDLT is changing from 1st April 2016 and properties purchased as an investment / second home will be charged an extra 3% on each band with a starting threshold of purchases above £40,000. The following calculator shows you the impact of this change.

Rental Calculator

The Rental Calculator provides you with the rent you should be charging if you want to meet your yield expectations. Enter numbers only.

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