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SAM n HARV

The Toolkit

Run the numberslike we do.

The same instruments we use at our own desk — free, instant, no sign-up. Start with a quick check below, or take a deal through the full appraisal.

The flagship instrument

BTL · BRRR · R2R · HMO · LO · FLIP

Deal Intelligence — the full appraisal.

Six strategies, live recalculation, graded scores on every measure, and an honest written verdict: would we buy this deal? It covers cash flow, ROI, yield, refinance and profit in one place.

Quick instruments

One question each, answered live

Stamp duty

England & NI — additional dwelling

Stamp duty£9,050
Effective rate5.5%

Rates change at Budgets — verify before exchange. Scotland and Wales tax differently.

Rental yield

Gross and net, instantly

Gross yield9.1%
Net yield7.3%
Annual rent£15,000

Mortgage stress test

What the rent will actually borrow

Max supportable loan£137,931
ICR on your loan161.6%
VerdictPasses

Development margin

The 20% bar, checked in seconds

Profit£30,000
Margin on cost14.0%
Margin on GDV12.2%
ReadingWorkable

Keep going

The paperwork behind the numbers lives in the Resource Library.