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Property hub / Deal analyser

What will this deal cost you, and what will it return?

Answer four short parts, then download a one-page deal analysis: the cash you need, the monthly profit after tax, your returns, how the deal holds up if rates rise or rents fall, and the stamp duty.

Based on legislation and published HMRC guidance2026/27 and 2027/28 ratesUpdated 3 October 2026

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Printed as the title of your deal analysis. It is not saved or sent to us.

You, the buyer

Count any home owned by you, your spouse or partner, or a co-buyer, anywhere in the world. If you own one, stamp duty is higher.

Your other income

You

Owner 2

Buying

VAT at 20% is added to the price (for mixed use, only on the shop or office part). Stamp duty is then charged on the price plus VAT. You can reclaim the VAT only if you register for VAT and opt to tax the property. If the property is sold with its tenants as a going business, VAT may not be charged. Ask an adviser to confirm.

Buying costs

Mortgage

Renting

Not needed when you refurbish and sell.

Renting

Choose "No" if the property is empty, partly let or the rent is an estimate. The summary will say so.

Running costs

Refinance after the works

Taking money out of the company

Selling

Want a Chartered Tax Adviser to check this deal?

We check the VAT, the stamp duty and the ownership structure with you before you exchange.

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