Online Calculators

Info

Data Entry

Apps use IPhone keyboards

Calculators & Analysers mostly use Widgets & Dropdown Lists on larger screen IPads, Lap & Desktops

Software Use

Apps & Calculators let you stress-test single topics to see the effect of making either/or decisions.

Analysers combine a number of relevant App/Calculator topics into a Strategy to help you achieve your aims & objectives.

Forms - In all cases screen forms are completed & calculated online. Completed forms can be downloaded & printed.

Only Buy Gain Housing

Only Buy Gain Housing looks at Low-Cost Property in Locations with Little Gain or Growth Potential which often Generate the Highest Yields. But Capital Gain should not be ignored even if your Strategy is biased towards rents and monthly cash flow.

Buy Cash Or Mortgage

Buy With Cash or Mortgage. Many Investors buy Cash Only (LTV 0%) but is it Better to Buy using Your Cash & a Mortgage? Buy Cash Or Mortgage compares the results of buying Cash Only or combining Your Cash with 5 Different Loan-To-Value (LTV) Mortgages starting at 0%, which means Leveraging Your Cash.

Compounding = Free Gains

Compounding=Free Gains demonstrates the Effect of Compounding on an Increasing Property Value. Compounding increases the Total Value (Co Value) by the Gain Rate every year that you hold. High LTV's result in Higher Gains & Higher Extra Gain because the Initial Property Cost is Higher with a Mortgage.

Cutting Costs = More Cash

Cutting Costs = More Cash looks at the effect of Reducing Costs that are Under A Landlord's Control. Each Cost Listed can be Negotiated Down by a Landlord, within a Single Tax Year, though this may involve changing a Supplier.

Fewer Properties = More Wealth

Fewer Properties = More Wealth demonstrates the Effect of Buying Numbers of Properties with a Finite Amount of Investment Cash. Unless you can achieve NMLI, No Money Left In, thereby preserving Your Capital Pot, every Property you buy involves Transaction Costs that progressively reduce your Capital Pot.

Investing For Gain

Investing For Gain looks at the concept of investing for Gain rather than Yield (Rent) or at least, making Gain the Main Aim. Gain can generate Very High Returns on Invested Cash because of the Effect of Compounding (See Compounding App) which doesn’t apply to Rent Returns.

Investing For Rent

Investing For Rent. Rent is also called Yield, which is the Income (Rent) divided by the Property Cost/Value. Buy-To-Let commonly has 2 Yields, Gross (Annual Rent/Property Cost) & Net (Annual Rent less Costs/Property Cost) a 3rd Yield is Return-on-Cash Invested, ConC or ROI (Net/Cash Invested). Other than a Pension, most investments Do Not Put Cash in your Bank Each Month, Residential Property Investment, commonly called Buy-To-Let does.

Rent Margin = More Cash?

Rent Margin = More Cash? The Rent Margin or Loan-To-Rent Ratio is an Affordability/Stress Test applied by Lenders before agreeing to a Mortgage to make sure that you can pay the Interest on your Mortgage out of the Rent. When your Property is Valued for Mortgage Purposes, the Valuer will Include in their Report a Market Rental Value and may also apply a Higher Rate of Interest to their Margin Calcs. This can result in a Cash Shortfall.

Max LTV = Less Cash Needed

Max LTV = Less Cash Needed as a Deposit to buy a Property but care must be taken to make sure that the Initial Cost of the Property is high enough to justify the Minimum Mortgage of £25,001. Borrowings below £25,001 are deemed to be Loans regulated as Consumer Credit.

Rent, Gain Or Both

Rent, Gain or Both. Both Returns are available to a Buy-To-Let Investor, but generally High Rents/Yields = Low Gain (Increasing Values) & High Gain = Low % Yields (Rents). Rent, Gain Or Both lets you to compare the difficulty of trying to operate a High Yield Strategy & a High Gain Strategy in the Same Property, Neighbourhood & possibly Location and Achieve Best Returns.

SDLT – Stamp Duty

SDLT – Stamp Duty. Buy a 2nd Home or Any Form of Residential Investment, Buy-To-Let, Buy-to-Sell or even Buy, Fix & Sell and you will probably Have To Pay Stamp Duty, SDLT, on the Whole Cost. Buy a Property costing Less than £40,000 (39,999) and you are Exempt, at £40,000 you pay 3% (£1,200) on the Total, No Exemption.

Leveraging = Greater Gains

Leveraging = Greater Gains demonstrates the Effect of Combining 2 Powerful Buy-To-Let Ingredients, Leveraging & Compounding. With Leveraging, you can Increase your Buying Power and buy Property that costs more than your Investment Cash by using a Mortgage. At 75% LTV you can buy Property costing 4 Times your Investment Cash, increase the LTV to 85% and the Multiple Increases to 6.7. Apply a Gain Rate of 5% results in an Increase on Your Cash of 20% & 33.5% respectively.