Mortgage & Property
UK-anchored property maths — LTV bands, FCA affordability, BTL yield and stress test.
Property calculators using UK conventions: 4.5× income rule, 60/75/85/90/95% LTV bands, PRA stress test for buy-to-let, Land Registry HPI series.
- Deposit %5/10/15/25% deposit bands.
- LTV calculator60/75/85/90/95% rate tiers.
- Mortgage % of take-home35% rule of thumb.
- Stamp duty by buyer typeFTB / main / second-home.
- HPI growthLand Registry HPI series.
- Equity over timeRepayments + HPI combined.
- Mortgage overpayment10%/yr penalty-free typical.
- AffordabilityFCA stress test.
- BTL yieldGross and net rental yield.
- BTL stress testPRA 5.5% / 145% ICR.