1 · The property
Used to name your saved analysis. Several homes can share one postcode, so each save is kept separately.
Confirm the property's UK country to calculate stamp duty.
2 · Strategy
3 · Essentials
The dealPrice, works and value
Agreed price. Acquisition tax is calculated on this figure.
Works budget, including contingency. Paid in cash; not covered by the purchase loan.
RentWhat the property earns
Achievable rent when fully let, before vacancy.
Share of the year let. Vacancy = potential income x (1 - occupancy). Fixed costs and debt still apply at zero occupancy.
FinanceInterest-only mortgage
Mortgage as a share of purchase price, or of the new valuation when remortgaging a BRR property.
Annual interest rate. Payments are modelled interest-only.
Interest-only (IO): each month you pay interest only, loan × annual rate ÷ 12. The loan itself is repaid when the property is sold or remortgaged.
Arrangement and broker fees. Paid in cash, not added to the loan.
Stamp duty1 to fixConfirm the property's country first
Additional: you already own a home anywhere. Company: bought by a limited company. Other: first-time buyer relief, mixed use, 6+ dwellings, trusts or anything unusual - use a solicitor's quote.
Confirm the country, purchase price and buyer type to calculate stamp duty. Other or exceptional cases need a manual figure confirmed by your solicitor.
The automatic estimate is used by default. Switch this on only if you want to enter a different amount, for example a tax quote from your solicitor.
4 · Advanced assumptions
Purchase costsFees paid in cash at completion
Fee paid to the deal sourcer. Paid in cash at completion; never financed.
Conveyancing and searches on purchase.
Survey and lender valuation costs.
Anything else paid at purchase, such as broker fees or furnishing.
Running costsAnnual operating costs once let
Charged on collected income (after vacancy).
Repairs allowance on collected income.
Landlord building and contents cover.
Gas safety, EICR, fire alarms, PAT testing.
Leasehold service charge.
Leasehold ground rent.
Bills paid by you, common for HMO and SA.
HMO, selective or short-let licence fee spread per year.
Anything not listed, such as broadband or software.
Selling costsApplied to the modelled sale at the end of the projection
Estate agent fee as a share of sale price.
Conveyancing on sale.
5 · Results
Results are on hold
Vault will not show a return built on a missing or invalid figure. Fix this item:
Long-term projection
Base occupancy and mortgage rate match what you entered, so year one agrees with the results above. The projection repeats the selected annual assumptions every year: a hypothetical extrapolation, not a forecast or promise of returns. Negative growth is allowed.
Growth not modelled. Base value growth, income growth and cost inflation are 0% until you enter your own rates or apply market reference data below. Downside and upside rows are illustrative stresses, not predictions.
Latest published UK national figures. Not specific to this property or area.
Saved analyses
Private to your profile. Up to 5. Inputs and scenario settings are stored; results are recalculated when you open one.
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