Enter your figures to see estimated commercial SDLT, bridge loan, post-refurb interest-only mortgage and a 20-year return projection. This tool is for illustration only; actual figures depend on property, lender and tax.
Reference: In the UK, long-term averages suggest house prices have grown at around 3–5% per year and rental growth at around 2–4% per year. Figures vary by region and period; you can adjust the assumptions for your scenario.
This calculation is indicative. Commercial SDLT, bridge and mortgage terms, rental yield and value growth may differ in practice. Seek professional advice before making investment decisions.
Investment calculator
Inputs
Investment projection
Estimated Costs
- SDLT (commercial rates)£39,500
- Legal / transaction£15,000
- Total purchase cost£1,054,500
- Bridge loan amount£954,500
- Bridge loan interest (over refurb period)£57,270
Post-Refurb Refinance
- Interest-only mortgage amount£1,350,000
- Capital withdrawn after refinance£338,230
- Annual mortgage interest£74,250
- Estimated annual rent£108,000
- Net rent after mortgage interest£33,750
Summary
Total invested (gross)£400,000
Capital withdrawn after refinance−£338,230
Net invested (after cash withdrawn)£61,770
Total at end of 20 years£3,318,000.67
Net gain over 20 years£3,256,230.67
Total = property equity (year 20) + cumulative net rent over 20 years.
Year 20 Detail
Estimated property value£3,251,000.22
Estimated equity (value − mortgage balance)£1,901,000.22
Cumulative net rent over 20 years (est.)£1,417,000.44
20-Year Projection Summary
| Year | Property value | Annual interest | Monthly interest | Net rent (that year) | Monthly net rentafter interest | Cumulative net rent |
|---|---|---|---|---|---|---|
| 0 | £1,800,000 | £74,250 | £6,187.50 | £30,604.37 | £2,550.36 | £0 |
| 5 | £2,086,693.33 | £74,250 | £6,187.50 | £47,304.95 | £3,942.08 | £202,136.67 |
| 10 | £2,419,049.48 | £74,250 | £6,187.50 | £66,665.50 | £5,555.46 | £495,598.97 |
| 15 | £2,804,341.35 | £74,250 | £6,187.50 | £89,109.69 | £7,425.81 | £894,932.70 |
| 20 | £3,251,000.22 | £74,250 | £6,187.50 | £115,128.65 | £9,594.05 | £1,417,000.44 |