The same numbers a lender would actually check, before you've made an offer.
Enter a property and your financing, and AssetIQ runs a full underwriting pass - not a rough yield estimate - in about two minutes.
What it does
Full stamp duty, correctly banded
Including the additional-property surcharge where it applies, calculated against the actual current UK bands - not a flat percentage guess.
Real cash flow, not gross rent
Management fees, maintenance, insurance, void periods and mortgage payments are all subtracted from rent before anything is called a return.
Cash and mortgage, side by side
Run the exact same deal both ways - buying outright versus financing it - using identical costs throughout, so the comparison is actually fair.
A dozen different metrics, not one
Gross and net yield, ROI, cash-on-cash return, ROCE, and projected equity and cash flow out to 20 years - each measuring a genuinely different thing about the deal.
How it works
Enter the property and the price
Address, type, bedrooms, tenure, whether it's tenanted - whatever you know. Fields you leave blank are left blank in the results too, never silently assumed.
Add your real costs
Your actual letting agent percentage, maintenance allowance, insurance, and void assumption - not a fixed industry-average substituted in behind the scenes.
Choose how you’re financing it
Cash, a standard buy-to-let mortgage, or bridging - interest rate, term, and repayment or interest-only, exactly as you'd actually structure it.
Everything recalculates together
Every figure on the page - the headline numbers, the tax breakdown, the stress test, the 20-year projection - comes from this one calculation, so they can never quietly disagree with each other.
Why it matters
A deal that looks good on a napkin often isn’t
Gross yield alone hides the numbers that actually decide whether a property makes money - void periods, management costs, mortgage interest at a realistic rate.
Lenders don’t care about your spreadsheet
They care about interest coverage at a stressed rate. Seeing that result before you make an offer means finding out you can’t get funded before you’ve committed to anything, not after.
Comparing deals needs the same yardstick
A calculator that lets you quietly change assumptions between two properties isn’t comparing them at all. The same engine, the same rules, every time, is what makes a comparison mean something.
Put a real property through it - your own, or one you've been eyeing - and see the full breakdown for yourself.