{ "name": "RealYield", "description": "UK buy-to-let numbers from the RealYield engine: true net yield after real costs, monthly cashflow, Section 24, stamp duty, capital gains tax, mortgage stress tests and average rental yields by area in England and Wales. Call a skill by sending a message with one data part, {\"skill\": \"\", \"arguments\": {...}}; the result comes back as a data part, the same figures as realyield.co.uk. Send a text message for the list of skills and their full input schemas. No sign-in. Results are educational estimates, not financial advice.", "supportedInterfaces": [ { "url": "https://www.realyield.co.uk/a2a", "protocolBinding": "JSONRPC", "protocolVersion": "1.0" } ], "provider": { "organization": "RealYield", "url": "https://www.realyield.co.uk" }, "version": "1.0.0", "documentationUrl": "https://www.realyield.co.uk/agents.md", "iconUrl": "https://www.realyield.co.uk/logo.png", "capabilities": { "streaming": false, "pushNotifications": false, "extendedAgentCard": false }, "defaultInputModes": [ "application/json", "text/plain" ], "defaultOutputModes": [ "application/json", "text/plain" ], "skills": [ { "id": "list_realyield_calculators", "name": "List RealYield calculators", "description": "Lists every UK property calculator on realyield.co.uk with a one-line description and URL. Use it to find the right tool for a landlord question before navigating or calculating. No inputs.", "tags": [ "uk-property", "buy-to-let", "calculators", "directory" ], "examples": [ "{\"skill\":\"list_realyield_calculators\",\"arguments\":{}}" ] }, { "id": "search_realyield", "name": "Search RealYield", "description": "Searches realyield.co.uk for calculators, articles, glossary terms and downloadable templates about UK buy-to-let, landlord tax and property regulation. Returns titles, summaries and URLs. Inputs: query (string, required), type (string), limit (integer).", "tags": [ "uk-property", "buy-to-let", "search", "articles", "glossary", "templates" ], "examples": [ "{\"skill\":\"search_realyield\",\"arguments\":{\"query\":\"section 24\"}}" ] }, { "id": "define_property_term", "name": "Define a property term", "description": "Looks up a UK property investment or landlord tax term in the RealYield glossary, for example 'ICR', 'Section 24', 'gross yield' or 'void period', and returns the definition with a link to the full entry. Use it when a reader asks what a term in an article means. Inputs: term (string, required).", "tags": [ "uk-property", "buy-to-let", "glossary", "definitions" ], "examples": [ "{\"skill\":\"define_property_term\",\"arguments\":{\"term\":\"gross yield\"}}" ] }, { "id": "analyse_buy_to_let_deal", "name": "Analyse a buy-to-let deal", "description": "Full UK buy-to-let analysis for a purchase price and monthly rent: gross and true net yield after service charge, ground rent, agent fees, repairs, voids and mortgage interest, Section 24 tax, monthly cashflow before and after tax, break-even mortgage rate, a 0 to 100 deal score, and stress scenarios such as a rate shock, a recession and extended voids. Agent fee, repairs and voids the user has not given take standard assumptions, listed in assumptions_applied. Returns a link that opens the same deal in the calculator. Inputs: purchase_price (number, required), monthly_rent (number, required), mortgage_balance (number), mortgage_rate (number), service_charge_monthly (number), ground_rent_annual (number), utilities_monthly (number), agent_fee_percentage (number), agent_fee_vat_applicable (boolean), repairs_percentage (number), void_months_per_year (number), ownership_type (string), tax_band (string), corporation_tax_rate (number), current_market_value (number), valuation_basis (string).", "tags": [ "uk-property", "buy-to-let", "net yield", "cashflow", "deal score", "stress test" ], "examples": [ "{\"skill\":\"analyse_buy_to_let_deal\",\"arguments\":{\"purchase_price\":200000,\"monthly_rent\":1100}}" ] }, { "id": "calculate_stamp_duty", "name": "Calculate stamp duty (SDLT)", "description": "Calculates Stamp Duty Land Tax for a property purchase in England or Northern Ireland at current rates, with the band-by-band breakdown, the effective rate, a comparison across first-time buyer, home mover and additional-property (buy-to-let, 5% surcharge) rates, and the total cash needed with the deposit. Inputs: propertyPrice (number, required), buyerType (string), depositPercent (number).", "tags": [ "uk-property", "buy-to-let", "stamp duty", "SDLT", "tax" ], "examples": [ "{\"skill\":\"calculate_stamp_duty\",\"arguments\":{\"propertyPrice\":250000}}" ] }, { "id": "calculate_section_24_tax", "name": "Calculate Section 24 tax", "description": "Works out a UK landlord's income tax on rental profit under Section 24, where mortgage interest is not deductible and is replaced by a 20% tax credit. Returns the tax bill, the 20% credit, cashflow after tax, the extra tax compared with full interest relief, and the same figures for all three tax bands. Inputs: annualRent (number, required), annualOperatingCosts (number), annualMortgageInterest (number), taxBand (string).", "tags": [ "uk-property", "buy-to-let", "Section 24", "mortgage interest", "income tax" ], "examples": [ "{\"skill\":\"calculate_section_24_tax\",\"arguments\":{\"annualRent\":13200,\"annualMortgageInterest\":6000,\"taxBand\":\"higher\"}}" ] }, { "id": "compare_personal_vs_company_ownership", "name": "Compare personal vs limited company", "description": "Compares the annual tax on a UK rental property held personally (Section 24 rules) against holding it in a limited company (corporation tax, then dividend tax on profit extracted). Returns net profit and effective tax rate for each structure and which one pays less this year. Inputs: annualRent (number, required), annualOperatingCosts (number), annualMortgageInterest (number), personalTaxBand (string), dividendAmount (number).", "tags": [ "uk-property", "buy-to-let", "limited company", "corporation tax", "tax" ], "examples": [ "{\"skill\":\"compare_personal_vs_company_ownership\",\"arguments\":{\"annualRent\":13200,\"annualMortgageInterest\":6000,\"personalTaxBand\":\"higher\"}}" ] }, { "id": "calculate_btl_mortgage", "name": "Calculate a buy-to-let mortgage", "description": "Calculates a UK buy-to-let mortgage: loan amount, loan-to-value, monthly and annual payment (interest-only or repayment), total interest, the interest coverage ratio lenders test against rent, and stress-test results at higher rates. Inputs: propertyValue (number, required), depositAmount (number), interestRate (number), mortgageTerm (integer), mortgageType (string), productFee (number), feeAddedToLoan (boolean), monthlyRent (number).", "tags": [ "uk-property", "buy-to-let", "mortgage", "ICR", "stress test" ], "examples": [ "{\"skill\":\"calculate_btl_mortgage\",\"arguments\":{\"propertyValue\":200000,\"monthlyRent\":1100}}" ] }, { "id": "calculate_capital_gains_tax", "name": "Calculate capital gains tax", "description": "Estimates UK capital gains tax on selling a rental property, shares or another asset: gain after allowable costs, private residence relief where it applied, the annual exempt amount, tax at basic and higher rates based on the seller's income, and how much a joint sale with a spouse or civil partner would save. Inputs: purchasePrice (number, required), salePrice (number, required), purchaseCosts (number), improvementCosts (number), sellingCosts (number), sdltPaid (number), assetType (string), ownershipType (string), annualIncome (number), otherGainsThisYear (number), isMainResidence (boolean), monthsAsMainResidence (number), totalMonthsOwned (number).", "tags": [ "uk-property", "buy-to-let", "capital gains tax", "CGT", "selling" ], "examples": [ "{\"skill\":\"calculate_capital_gains_tax\",\"arguments\":{\"purchasePrice\":150000,\"salePrice\":220000}}" ] }, { "id": "lookup_area_rental_yields", "name": "Look up rental yields by area", "description": "Looks up average rent, average price and gross rental yield for local authority areas in England and Wales, from ONS rents and HM Land Registry prices updated monthly. Pass an area name to get its figures and national rank, or leave it out to get the highest-yielding areas, optionally within a region. Inputs: area (string), region (string), limit (integer).", "tags": [ "uk-property", "buy-to-let", "rental yields", "areas", "ONS", "Land Registry" ], "examples": [ "{\"skill\":\"lookup_area_rental_yields\",\"arguments\":{\"area\":\"Leeds\"}}" ] } ] }