New UK Property Calculator Tools: Section 24, Ownership Comparison & BTL Mortgage
RealYield Team
Property Analyst
Three free tools to help you make smarter property investment decisions
Today we're excited to announce the launch of three new UK property calculators, each designed to help landlords answer critical questions about their investments.
These tools complement our flagship RealYield Calculator and are completely free to use.
1. Section 24 Tax Impact Calculator
Section 24 changed the game for UK landlords in 2017. If you're a higher or additional rate taxpayer holding property in your personal name, you could be paying tax on phantom profits—income that doesn't actually exist after mortgage interest.
Our Section 24 Calculator shows exactly how much extra tax you're paying compared to the old system, and helps you understand whether restructuring makes sense.
Key features:
- Compare tax under Section 24 vs the old rules
- See your effective tax rate on rental income
- Understand the 20% tax credit mechanism
- FAQs explaining who is affected and what options exist
Try the Section 24 Calculator
Calculate your Section 24 tax impact →2. Personal Name vs Limited Company Calculator
Should you hold property in your personal name or through a Special Purpose Vehicle (SPV) limited company? This is one of the most common questions UK landlords ask—and the answer depends entirely on your circumstances.
Our ownership comparison tool models both structures side by side, so you can see the real difference in tax bills and net profit.
Key features:
- Side-by-side comparison of Personal Name vs Ltd Company
- Corporation Tax vs Income Tax calculations
- Section 24 relief applied to Personal Name scenario
- Net profit after tax for each structure
- Clear recommendation with annual saving amount
Try the Ownership Comparison Calculator
Compare personal vs company ownership →3. Buy-to-Let Mortgage Calculator
Before purchasing a rental property, you need to know if the numbers stack up. Our BTL Mortgage Calculator goes beyond simple payment calculations to include lender stress testing—the same Interest Coverage Ratio (ICR) checks that banks use to approve mortgages.
Key features:
- Monthly payment calculation (interest-only and repayment)
- Loan-to-Value (LTV) and deposit calculation
- Lender ICR stress test at 125% coverage
- Interest rate stress testing with slider
- Total repayment including interest over the term
Try the BTL Mortgage Calculator
Calculate your BTL mortgage →What's next?
These calculators are just the beginning. We're continuously improving our tools based on feedback from landlords like you.
Coming soon:
- Stamp Duty Land Tax (SDLT) Calculator with buy-to-let surcharge
- Portfolio analysis for multiple properties
- Refinance and equity release modelling
Get started
All three calculators are free to use right now. For the most comprehensive analysis, try our flagship RealYield Calculator which combines yield analysis, cashflow projections, stress testing, and AI-powered insights.
Ready for comprehensive property analysis?
Try the RealYield CalculatorFrequently Asked Questions
What is the Section 24 Calculator and who is it for?
The Section 24 Calculator helps UK landlords understand how Section 24 tax relief restrictions affect their rental income. It's essential for higher and additional rate taxpayers who own rental property in their personal name.
Should I use the Personal vs Ltd Company Calculator?
Yes, if you're deciding whether to hold rental property in your personal name or through a limited company. The calculator compares Corporation Tax vs Income Tax treatment and shows which structure is more tax-efficient for your situation.
What does the BTL Mortgage Calculator include?
The Buy-to-Let Mortgage Calculator calculates monthly payments, checks if your property passes lender ICR (Interest Coverage Ratio) requirements, and stress tests your deal against rising interest rates.
Are these calculators free to use?
Yes, all three calculators are completely free. You can use them without creating an account, though signing up unlocks additional premium features like AI analysis and scenario saving.
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