Rates & sources
SDLT/LTT/LBTT bands vary between England, Wales, Scotland and Northern Ireland. Use the appropriate calculator.
Source: HMRC / Welsh Revenue / Revenue Scotland — figures refreshed at the start of each tax year.
When to use this calculator
- Before buying, renting, refinancing, or reviewing a property investment.
- When you want to compare cash flow, yield, growth, and ownership costs side by side.
- When you need a fast estimate before speaking to an agent, lender, or adviser.
A realistic Canada planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Profit (CA$)
20000
Total Investment (CA$)
CA$15,000
After entering these figures, focus on return on investment first and then rerun the tool with a more cautious assumption.
How to read your results
Return on Investment
Use this to compare scenarios over time and judge whether the plan clears your minimum target.
Common mistakes
- !Comparing rent and ownership costs without including taxes, fees, and maintenance.
- !Using purchase price alone without testing the impact of financing or vacancy assumptions.
- !Relying on yield or growth in isolation instead of reviewing the full property case.
What to do next
- Try at least one more scenario so you can compare a realistic range instead of a single estimate.
- Use the related calculators below to cross-check the decision from another angle.
- Open one of the linked guides if you need more context before you act on the result.
Frequently asked
Use arrow keys to navigate items, Enter or Space to expand/collapse.
End-of-article next steps
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