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Buy-to-Let Deal Analyser

Compare up to five property purchases – yield, cash flow, tax, stress test and 10-year return

£20

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Buy-to-Let Deal Analyser

Overview

A buy-to-let can look great on gross yield and still lose you money every month once voids, agents, repairs, mortgage interest and tax are taken off. This workbook analyses up to five properties side by side the way a lender, an accountant and a careful investor would: the cash you need to put in, the stamp duty, the real net yield, cash flow before and after tax, whether the deal passes the lender's stress test, and what it could be worth to you over ten years including a sale. It also compares owning each property personally with owning it through a limited company.

Price
£20
Who it’s for
Property
Works with
Microsoft Excel for Windows and Mac
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See how it works

A walk through the main sheets

The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.

Step 1

Deals

The inputs for up to five properties. What you do: enter the yellow cells for each deal.

Deals
Analysis

Step 2

Analysis

Year-one numbers, tax both ways, returns, the stress test, status and rank. What you do: nothing to enter.

Step 3

Projection

Ten years for each deal and the sale at the end. What you do: nothing to enter.

Projection
Stamp Duty

Step 4

Stamp Duty

Rate tables and the tax on each purchase. What you do: update the yellow rates if they change.

Who it is for

Made for people like you

  • Example – text
  • First-time and growing landlords – A clear yes/no on each deal before you make an offer.
  • Portfolio landlords – Personal vs limited company for every purchase, with the 2027/28 property income rates.
  • HMO and refurbishment investors – Refurbishment, end value after works, licensing and bills-included costs.
  • Accountants and brokers – A printable side-by-side analysis for clients.

Quick start

Up and running in minutes

  1. Example – text
  1. Settings – Pick the tax year, enter your other taxable income (it decides your tax band), choose whether a company would pay its profits out as dividends, and check the lender stress rate and ICRs, growth, selling costs, targets and ranking measure.
  2. Deals – Fill in a column for each property: name, location, price, ownership, fees, refurbishment, deposit, mortgage, rent, voids, growth and running costs.
  3. Analysis – Read the year-one figures for each deal: cash needed, net operating income, mortgage, cash flow before and after tax, personal vs company, returns, the stress test and the verdict.
  4. Projection – Look at the 10-year picture for each deal, including the sale and the IRR.
  5. Stamp Duty – Check the purchase tax and what the surcharges cost.
  6. Dashboard – See the ranking, the totals and the charts.

Key features

  • Up to five deals side by side: price, stamp duty (SDLT with the 5% and non-resident surcharges, LBTT + ADS, LTT), fees, refurbishment, deposit and mortgage.
  • Rent, voids, agent, maintenance, insurance, service charge, licensing and safety certificates – gross and net yield, cash flow before and after tax.
  • Personal ownership (finance cost restriction, 2027/28 property income rates) vs a limited company (corporation tax, optional dividends) for every deal.
  • Lender ICR stress test, break-even rent, 10-year projection with equity growth, sale and IRR – and a ranking of the deals on the measure you choose.

What’s included

  • Dashboard – Ranking, cash flow and returns
  • Settings – Your tax position and assumptions
  • Deals – The five properties
  • Analysis – Year-one figures, tax, returns, stress test
  • Projection – 10 years, sale and IRR
  • Stamp Duty – SDLT, LBTT and LTT
  • Tax Rates – Income tax, property and company rates
  • Guide – How to use this workbook

How buying works

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