RealYield

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.

{
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  "properties": {},
  "additionalProperties": false
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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.

{
  "type": "object",
  "properties": {
    "query": {
      "type": "string",
      "description": "Words to search for, for example 'section 24' or 'HMO licensing'.",
      "minLength": 2
    },
    "type": {
      "type": "string",
      "enum": [
        "tool",
        "article",
        "glossary",
        "template"
      ],
      "description": "Restrict results to one content type. Omit to search everything."
    },
    "limit": {
      "type": "integer",
      "description": "Maximum number of results.",
      "minimum": 1,
      "maximum": 25,
      "default": 8
    }
  },
  "required": [
    "query"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "term": {
      "type": "string",
      "description": "The term or abbreviation to define.",
      "minLength": 2
    }
  },
  "required": [
    "term"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "purchase_price": {
      "type": "number",
      "description": "Purchase price in GBP.",
      "minimum": 0
    },
    "monthly_rent": {
      "type": "number",
      "description": "Expected monthly rent in GBP.",
      "minimum": 0
    },
    "mortgage_balance": {
      "type": "number",
      "description": "Mortgage amount borrowed in GBP. Omit or 0 for a cash purchase.",
      "minimum": 0
    },
    "mortgage_rate": {
      "type": "number",
      "description": "Annual mortgage interest rate as a percentage, for example 4.5.",
      "minimum": 0,
      "maximum": 100
    },
    "service_charge_monthly": {
      "type": "number",
      "description": "Monthly service charge in GBP (leasehold flats).",
      "minimum": 0,
      "default": 0
    },
    "ground_rent_annual": {
      "type": "number",
      "description": "Annual ground rent in GBP.",
      "minimum": 0,
      "default": 0
    },
    "utilities_monthly": {
      "type": "number",
      "description": "Monthly utilities paid by the landlord in GBP.",
      "minimum": 0,
      "default": 0
    },
    "agent_fee_percentage": {
      "type": "number",
      "description": "Letting agent fee as a percentage of rent. Pass 0 if the landlord self-manages; omitted means the standard 12%.",
      "minimum": 0,
      "maximum": 100,
      "default": 12
    },
    "agent_fee_vat_applicable": {
      "type": "boolean",
      "description": "Whether VAT at 20% is added to the agent fee.",
      "default": false
    },
    "repairs_percentage": {
      "type": "number",
      "description": "Repairs and maintenance allowance as a percentage of rent. Omitted means the standard 5%.",
      "minimum": 0,
      "maximum": 100,
      "default": 5
    },
    "void_months_per_year": {
      "type": "number",
      "description": "Expected empty months per year. Omitted means the standard 1 month.",
      "minimum": 0,
      "maximum": 12,
      "default": 1
    },
    "ownership_type": {
      "type": "string",
      "enum": [
        "personal",
        "company"
      ],
      "description": "Held personally (Section 24 applies) or through a limited company.",
      "default": "personal"
    },
    "tax_band": {
      "type": "string",
      "enum": [
        "basic",
        "higher",
        "additional"
      ],
      "description": "The landlord's income tax band: basic (20%), higher (40%) or additional (45%).",
      "default": "higher"
    },
    "corporation_tax_rate": {
      "type": "number",
      "description": "Corporation tax rate percentage, used for company ownership.",
      "minimum": 0,
      "maximum": 100,
      "default": 19
    },
    "current_market_value": {
      "type": "number",
      "description": "Current market value in GBP, if yields should be based on value rather than purchase price.",
      "minimum": 0
    },
    "valuation_basis": {
      "type": "string",
      "enum": [
        "purchase_price",
        "current_value"
      ],
      "description": "Base yields on the purchase price or the current market value.",
      "default": "purchase_price"
    }
  },
  "required": [
    "purchase_price",
    "monthly_rent"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "propertyPrice": {
      "type": "number",
      "description": "Purchase price in GBP.",
      "minimum": 0
    },
    "buyerType": {
      "type": "string",
      "enum": [
        "standard",
        "first_time",
        "additional"
      ],
      "description": "standard for a home mover, first_time for a first-time buyer, additional for a buy-to-let or second home.",
      "default": "additional"
    },
    "depositPercent": {
      "type": "number",
      "description": "Deposit as a percentage of price, for the total cash needed figure.",
      "minimum": 0,
      "maximum": 100,
      "default": 25
    }
  },
  "required": [
    "propertyPrice"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "annualRent": {
      "type": "number",
      "description": "Gross annual rental income in GBP.",
      "minimum": 0
    },
    "annualOperatingCosts": {
      "type": "number",
      "description": "Annual allowable costs excluding mortgage interest, in GBP.",
      "minimum": 0,
      "default": 0
    },
    "annualMortgageInterest": {
      "type": "number",
      "description": "Annual mortgage interest in GBP.",
      "minimum": 0,
      "default": 0
    },
    "taxBand": {
      "type": "string",
      "enum": [
        "basic",
        "higher",
        "additional"
      ],
      "description": "The landlord's income tax band: basic (20%), higher (40%) or additional (45%).",
      "default": "higher"
    }
  },
  "required": [
    "annualRent"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "annualRent": {
      "type": "number",
      "description": "Gross annual rental income in GBP.",
      "minimum": 0
    },
    "annualOperatingCosts": {
      "type": "number",
      "description": "Annual allowable costs excluding mortgage interest, in GBP.",
      "minimum": 0,
      "default": 0
    },
    "annualMortgageInterest": {
      "type": "number",
      "description": "Annual mortgage interest in GBP.",
      "minimum": 0,
      "default": 0
    },
    "personalTaxBand": {
      "type": "string",
      "enum": [
        "basic",
        "higher",
        "additional"
      ],
      "description": "The landlord's income tax band: basic (20%), higher (40%) or additional (45%).",
      "default": "higher"
    },
    "dividendAmount": {
      "type": "number",
      "description": "Dividends taken out of the company per year in GBP. Omit to extract all post-tax profit.",
      "minimum": 0
    }
  },
  "required": [
    "annualRent"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "propertyValue": {
      "type": "number",
      "description": "Property value or purchase price in GBP.",
      "minimum": 0
    },
    "depositAmount": {
      "type": "number",
      "description": "Deposit in GBP.",
      "minimum": 0,
      "default": 0
    },
    "interestRate": {
      "type": "number",
      "description": "Annual interest rate percentage.",
      "minimum": 0,
      "maximum": 100,
      "default": 5
    },
    "mortgageTerm": {
      "type": "integer",
      "description": "Term in years.",
      "minimum": 1,
      "maximum": 40,
      "default": 25
    },
    "mortgageType": {
      "type": "string",
      "enum": [
        "interest_only",
        "repayment"
      ],
      "description": "Repayment method.",
      "default": "interest_only"
    },
    "productFee": {
      "type": "number",
      "description": "Lender product or arrangement fee in GBP.",
      "minimum": 0,
      "default": 0
    },
    "feeAddedToLoan": {
      "type": "boolean",
      "description": "Whether the product fee is added to the loan.",
      "default": false
    },
    "monthlyRent": {
      "type": "number",
      "description": "Expected monthly rent in GBP, for the interest coverage ratio.",
      "minimum": 0,
      "default": 0
    }
  },
  "required": [
    "propertyValue"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "purchasePrice": {
      "type": "number",
      "description": "Original purchase price in GBP.",
      "minimum": 0
    },
    "salePrice": {
      "type": "number",
      "description": "Sale price in GBP.",
      "minimum": 0
    },
    "purchaseCosts": {
      "type": "number",
      "description": "Legal, survey and other buying costs in GBP.",
      "minimum": 0,
      "default": 0
    },
    "improvementCosts": {
      "type": "number",
      "description": "Capital improvements in GBP (not repairs).",
      "minimum": 0,
      "default": 0
    },
    "sellingCosts": {
      "type": "number",
      "description": "Agent and legal selling costs in GBP.",
      "minimum": 0,
      "default": 0
    },
    "sdltPaid": {
      "type": "number",
      "description": "Stamp duty paid on purchase in GBP.",
      "minimum": 0,
      "default": 0
    },
    "assetType": {
      "type": "string",
      "enum": [
        "residential_property",
        "shares",
        "other"
      ],
      "description": "What is being sold.",
      "default": "residential_property"
    },
    "ownershipType": {
      "type": "string",
      "enum": [
        "single",
        "joint"
      ],
      "description": "Owned by one person or jointly with a spouse or civil partner.",
      "default": "single"
    },
    "annualIncome": {
      "type": "number",
      "description": "The seller's gross annual income in GBP, which sets the CGT rate.",
      "minimum": 0,
      "default": 0
    },
    "otherGainsThisYear": {
      "type": "number",
      "description": "Other capital gains already made this tax year in GBP.",
      "minimum": 0,
      "default": 0
    },
    "isMainResidence": {
      "type": "boolean",
      "description": "Whether the property was ever the seller's main home.",
      "default": false
    },
    "monthsAsMainResidence": {
      "type": "number",
      "description": "Months lived in as main home, for partial private residence relief.",
      "minimum": 0,
      "default": 0
    },
    "totalMonthsOwned": {
      "type": "number",
      "description": "Total months owned, for partial private residence relief.",
      "minimum": 0,
      "default": 0
    }
  },
  "required": [
    "purchasePrice",
    "salePrice"
  ],
  "additionalProperties": false
}

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.

{
  "type": "object",
  "properties": {
    "area": {
      "type": "string",
      "description": "Local authority or town name, for example 'Manchester' or 'Newcastle upon Tyne'."
    },
    "region": {
      "type": "string",
      "description": "Optional English region or 'Wales' to filter the ranking, for example 'North West'."
    },
    "limit": {
      "type": "integer",
      "description": "How many areas to return when ranking.",
      "minimum": 1,
      "maximum": 50,
      "default": 10
    }
  },
  "additionalProperties": false
}

Checks a specific buy-to-let property in England or Wales from its postcode, asking price, type and bedrooms, using live public data: sold prices nearby and a price guide based on them, rent (the area average unless given), true net yield and cashflow, stress tests, crime, flood risk and live warnings, coal mining, planning constraints (conservation areas, Article 4, listed buildings), transport, schools and the local rental market. The postcode is the property's, not the user's location. Returns a 0 to 100 score with its parts, flags, a rule-based summary and a link to the full report. Results are educational estimates, not financial advice. Needs the user to sign in to their RealYield account; takes up to 30 seconds.

{
  "type": "object",
  "properties": {
    "postcode": {
      "type": "string",
      "description": "Full UK postcode of the property, for example M14 5RF. Partial postcodes are not accepted.",
      "minLength": 5
    },
    "asking_price": {
      "type": "number",
      "description": "Asking price in GBP.",
      "minimum": 10000,
      "maximum": 20000000
    },
    "property_type": {
      "type": "string",
      "enum": [
        "flat",
        "terraced",
        "semi",
        "detached"
      ],
      "description": "Type of property."
    },
    "bedrooms": {
      "type": "integer",
      "description": "Number of bedrooms, 1 to 6.",
      "minimum": 1,
      "maximum": 6
    },
    "tenure": {
      "type": "string",
      "enum": [
        "freehold",
        "leasehold"
      ],
      "description": "Freehold or leasehold.",
      "default": "freehold"
    },
    "epc_rating": {
      "type": "string",
      "enum": [
        "A",
        "B",
        "C",
        "D",
        "E",
        "F",
        "G"
      ],
      "description": "EPC rating, if known."
    },
    "monthly_rent": {
      "type": "number",
      "description": "Expected monthly rent in GBP. Omit to use the ONS average for the area and bedroom count.",
      "minimum": 1,
      "maximum": 50000
    },
    "service_charge_monthly": {
      "type": "number",
      "description": "Monthly service charge in GBP (leasehold flats).",
      "minimum": 0,
      "maximum": 5000,
      "default": 0
    },
    "ground_rent_annual": {
      "type": "number",
      "description": "Annual ground rent in GBP.",
      "minimum": 0,
      "maximum": 10000,
      "default": 0
    },
    "deposit_pct": {
      "type": "number",
      "description": "Deposit as a percentage of the price.",
      "minimum": 0,
      "maximum": 100,
      "default": 25
    },
    "mortgage_rate": {
      "type": "number",
      "description": "Annual mortgage rate as a percentage.",
      "minimum": 0,
      "maximum": 15,
      "default": 4.5
    },
    "agent_fee_pct": {
      "type": "number",
      "description": "Letting agent fee as a percentage of rent. Pass 0 if the landlord self-manages.",
      "minimum": 0,
      "maximum": 30,
      "default": 12
    },
    "repairs_pct": {
      "type": "number",
      "description": "Repairs allowance as a percentage of rent.",
      "minimum": 0,
      "maximum": 30,
      "default": 5
    },
    "void_months": {
      "type": "number",
      "description": "Expected empty months per year.",
      "minimum": 0,
      "maximum": 6,
      "default": 1
    },
    "ownership_type": {
      "type": "string",
      "enum": [
        "personal",
        "company"
      ],
      "description": "Held personally (Section 24 applies) or through a limited company.",
      "default": "personal"
    },
    "tax_band": {
      "type": "string",
      "enum": [
        "basic",
        "higher",
        "additional"
      ],
      "description": "The landlord's income tax band: basic (20%), higher (40%) or additional (45%).",
      "default": "higher"
    }
  },
  "required": [
    "postcode",
    "asking_price",
    "property_type",
    "bedrooms"
  ],
  "additionalProperties": false
}