At Auction Finance, your auction finance broker, we offer a comprehensive range of calculators to support your property investment journey. From assessing affordability to evaluating returns, our calculators are designed to provide you with accurate, actionable insights tailored to your needs.
Whether you’re a seasoned investor or new to property finance, these tools will simplify complex calculations, helping you make smarter financial decisions.
Our 13 Essential Calculators
1. Stamp Duty Calculator
Quickly determine your stamp duty liability based on pre- and post-April 2025 rates. Whether you’re a first-time buyer, non-UK resident, or purchasing additional properties, this tool factors in all relevant surcharges and exemptions.
Why Use It? Avoid surprises at completion and budget accurately for your purchase.
2. Buy-to-Let Calculator
Calculate the potential loan you can secure based on rental income. This tool factors in stress rates for both lenient and stricter lenders, helping you understand borrowing limits for your investment property.
Why Use It? Plan your buy-to-let investment with clarity.
3. Loan-to-Value (LTV) Calculator
Determine the loan-to-value ratio of your property based on its value and your loan amount. Essential for understanding your borrowing capacity and interest rate options.
Why Use It? Assess the financial leverage on your property investment.
4. Rental Yield Calculator
Calculate the gross and net rental yield of your property to gauge its profitability. Input property costs, monthly rent, and annual expenses to see how your investment stacks up.
Why Use It? Evaluate whether your property delivers the returns you need.
5. Mortgage Repayment Calculator
Understand your monthly repayments on repayment and interest-only mortgages. Provides a clear breakdown based on loan amount, interest rate, and term.
Why Use It? Budget effectively for your mortgage payments.
6. Overpayment Calculator
Discover how making regular overpayments can reduce your mortgage term and save on interest.
Why Use It? Learn how to pay off your mortgage faster and reduce costs.
7. Rate Change Calculator
Estimate how changes in interest rates will impact your monthly mortgage payments.
Why Use It? Stay prepared for rate fluctuations in a dynamic market.
8. Debt Consolidation Calculator
Compare the cost of consolidating unsecured debts into your mortgage against your current debts.
Why Use It? Assess whether consolidating debts can save you money and simplify repayments.
9. HMO Calculator
Calculate borrowing limits for Houses in Multiple Occupation (HMOs), factoring in higher rental income and specific lender criteria.
Why Use It? Plan financing for more complex investment properties.
10. ROI Calculator
Evaluate the return on investment (ROI) of your property based on rental income and expenses.
Why Use It? Measure how effectively your capital is generating returns.
11. Remortgage Calculator
Compare your current mortgage costs to a potential new deal and estimate savings.
Why Use It? Determine if remortgaging can lower your monthly payments or reduce your term.
12. How Much Can I Borrow? Calculator
Understand your borrowing capacity based on income, employment type, and lender criteria.
Why Use It? Know exactly how much you can afford before applying for finance.
13. Mortgage Amortization Calculator
See a detailed breakdown of your loan repayment schedule, including interest and principal over time.
Why Use It? Gain insights into how your loan balance decreases month-by-month or year-by-year.
Why Choose Our Calculators?
Tailored for Property Investors: Each tool is crafted to meet the needs of investors navigating the complex property market.
Comprehensive & Accurate: Our calculators factor in nuanced scenarios, ensuring precise results every time.
User-Friendly Interface: Designed for simplicity, even for those new to property investment.
Time-Saving Insights: Eliminate guesswork and focus on making informed decisions.
- Take Control of Your Financial Decisions Today
Our calculators are here to empower you with the knowledge and insights needed to make confident property investment decisions. Explore each tool and start planning smarter today.
Frequently Asked Questions
Q1: Are these calculators free to use?
Yes: All our calculators are completely free to use and accessible online.
Q2: Can I save or download my calculations?
Ans: Currently, our calculators are designed for on-the-spot use, but you can print or save your results manually.
Q3: Are the calculators suitable for non-UK residents?
Ans: Yes, calculators like the Stamp Duty Calculator and Buy-to-Let Calculator factor in surcharges for non-UK residents.
Q4: How accurate are the results?
Ans: While our calculators provide reliable estimates, we recommend consulting a financial advisor or broker for precise advice tailored to your situation.
Q5: Do you offer support if I have questions about the results?Ans: Our team is happy to assist you in understanding the outputs or guiding you toward the next steps in your investment journey.
