The breakdown
Where your money goes on this purchase.
Run the numbers
Drag the sliders or type your figures.
How you pay it down
Balance remaining across the life of the mortgage.
Upfront costs & funding
Sources & UsesToggle each item between Cash (you pay it) and Loan (added to borrowing). Property price and both LTTs are funded from cash by default.
Monthly running costs
Cost of ownershipBuy-to-let: income, yield & tax
InvestorJersey taxes net rental profit; mortgage interest (year-1 shown), running costs and agent fees on a commercially-let property are allowable — principal is not. Rate is editable; actual liability depends on total income under the marginal-rate calculation. Not tax advice.
Reverse solver: what price hits my target?
SolverHolds your current rent, costs, deposit %, rate and term fixed, then finds the price that hits the target. Gross & net yield are exact; cashflow is solved numerically (it accounts for the loan, mortgage, allowable interest and tax all moving with price).
Buy vs rent & invest
DecisionSimplified: assumes level rent & costs, ignores selling/transaction costs and reinvested cashflow differences. Buy cost = total cash out − end equity (property growth + principal repaid). Rent cost = rent paid − interest earned on your retained deposit.
Compare scenarios
A / B / CPin up to 3 setups side by side — lowest monthly & interest are flagged.