Deal Calculator Punch in the numbers on any UK purchase — auction lot, private deal, BRRRR or HMO conversion — and see straight away whether it stacks up. PortfolioIQ is completely free to use, and nothing is saved unless you want it to be.
Start from the agent's details Drop in the brochure, auction pack or a screenshot — or paste the listing text — and we fill in the figures we can find. You finish off the rest.
Purchase & development costs Type of purchase Cash purchase — no loan at all Straight to a mortgage — no uplift Bridge loan, uplift the value, then refinance
Cash you need (deposit + costs) £0
Shared accommodation —
1 bedroom —
2 bedroom —
3 bedroom —
4 bedroom —
LHA and Benefit Cap calculations are provided for investment modelling only. Actual benefit entitlement depends on the claimant's individual circumstances and the relevant DWP/local authority assessment.
LHA area (BRMA) Enter the rate manually Aberdeen and Shire — £198/wk for 3 bed Argyll and Bute — £160/wk for 3 bed Ashford — £253/wk for 3 bed Aylesbury — £306/wk for 3 bed Ayrshires — £130/wk for 3 bed Barnsley — £127/wk for 3 bed Barrow-in-Furness — £146/wk for 3 bed Basingstoke — £265/wk for 3 bed Bath — £276/wk for 3 bed Bedford — £230/wk for 3 bed Birmingham — £190/wk for 3 bed Black Country — £173/wk for 3 bed Blackwater Valley — £298/wk for 3 bed Blaenau Gwent — £113/wk for 3 bed Bolton and Bury — £161/wk for 3 bed Bournemouth — £265/wk for 3 bed Bradford & South Dales — £146/wk for 3 bed Brecon and Radnor — £127/wk for 3 bed Bridgend — £133/wk for 3 bed Brighton and Hove — £334/wk for 3 bed Bristol — £299/wk for 3 bed Bury St Edmunds — £220/wk for 3 bed Caerphilly — £127/wk for 3 bed Cambridge — £259/wk for 3 bed Canterbury — £253/wk for 3 bed Cardiff — £213/wk for 3 bed Carmarthenshire — £123/wk for 3 bed Central Greater Manchester — £219/wk for 3 bed Central Lancs — £150/wk for 3 bed Central London — £497/wk for 3 bed Central Norfolk & Norwich — £184/wk for 3 bed Ceredigion — £127/wk for 3 bed Chelmsford — £276/wk for 3 bed Cheltenham — £230/wk for 3 bed Cherwell Valley — £273/wk for 3 bed Chesterfield — £138/wk for 3 bed Chichester — £282/wk for 3 bed Chilterns — £334/wk for 3 bed Colchester — £224/wk for 3 bed Coventry — £178/wk for 3 bed Crawley & Reigate — £314/wk for 3 bed Darlington — £122/wk for 3 bed Derby — £161/wk for 3 bed Doncaster — £127/wk for 3 bed Dover-Shepway — £199/wk for 3 bed Dumfries and Galloway — £115/wk for 3 bed Dundee and Angus — £183/wk for 3 bed Durham — £109/wk for 3 bed East Cheshire — £229/wk for 3 bed East Dunbartonshire — £231/wk for 3 bed East Lancs — £137/wk for 3 bed East Thames Valley — £334/wk for 3 bed Eastbourne — £249/wk for 3 bed Eastern Staffordshire — £167/wk for 3 bed Exeter — £219/wk for 3 bed Fife — £165/wk for 3 bed Flintshire — £160/wk for 3 bed Forth Valley — £185/wk for 3 bed Fylde Coast — £144/wk for 3 bed Gloucester — £196/wk for 3 bed Grantham & Newark — £151/wk for 3 bed Greater Glasgow — £224/wk for 3 bed Greater Liverpool — £150/wk for 3 bed Grimsby — £120/wk for 3 bed Guildford — £341/wk for 3 bed Halifax — £144/wk for 3 bed Harlow & Stortford — £278/wk for 3 bed Harrogate — £201/wk for 3 bed Herefordshire — £173/wk for 3 bed High Weald — £304/wk for 3 bed Highland and Islands — £160/wk for 3 bed Hull & East Riding — £127/wk for 3 bed Huntingdon — £219/wk for 3 bed Inner East London — £497/wk for 3 bed Inner North London — £497/wk for 3 bed Inner South East London — £449/wk for 3 bed Inner South West London — £497/wk for 3 bed Inner West London — £472/wk for 3 bed Ipswich — £184/wk for 3 bed Isle of Wight — £188/wk for 3 bed Kendal — £178/wk for 3 bed Kernow West — £188/wk for 3 bed Kings Lynn — £178/wk for 3 bed Kirklees — £150/wk for 3 bed Lancaster — £150/wk for 3 bed Leeds — £196/wk for 3 bed Leicester — £178/wk for 3 bed Lincoln — £155/wk for 3 bed Lincolnshire Fens — £169/wk for 3 bed Lothian — £317/wk for 3 bed Lowestoft & Great Yarmouth — £145/wk for 3 bed Luton — £253/wk for 3 bed Maidstone — £276/wk for 3 bed Medway & Swale — £216/wk for 3 bed Mendip — £224/wk for 3 bed Merthyr Cynon — £127/wk for 3 bed Mid & East Devon — £190/wk for 3 bed Mid & West Dorset — £207/wk for 3 bed Mid Staffs — £170/wk for 3 bed Milton Keynes — £275/wk for 3 bed Monmouthshire — £183/wk for 3 bed Neath Port Talbot — £115/wk for 3 bed Newbury — £276/wk for 3 bed Newport — £150/wk for 3 bed North Cheshire — £160/wk for 3 bed North Clwyd — £150/wk for 3 bed North Cornwall & Devon Borders — £167/wk for 3 bed North Cumbria — £136/wk for 3 bed North Devon — £178/wk for 3 bed North Lanarkshire — £156/wk for 3 bed North Nottingham — £135/wk for 3 bed North Powys — £127/wk for 3 bed North West Kent — £276/wk for 3 bed North West London — £387/wk for 3 bed North West Wales — £144/wk for 3 bed Northampton — £207/wk for 3 bed Northants Central — £183/wk for 3 bed Northumberland — £122/wk for 3 bed Nottingham — £173/wk for 3 bed Oldham & Rochdale — £160/wk for 3 bed Outer East London — £385/wk for 3 bed Outer North East London — £345/wk for 3 bed Outer North London — £390/wk for 3 bed Outer South East London — £357/wk for 3 bed Outer South London — £345/wk for 3 bed Outer South West London — £414/wk for 3 bed Outer West London — £339/wk for 3 bed Oxford — £305/wk for 3 bed Peaks & Dales — £160/wk for 3 bed Pembrokeshire — £133/wk for 3 bed Perth and Kinross — £173/wk for 3 bed Peterborough — £186/wk for 3 bed Plymouth — £184/wk for 3 bed Portsmouth — £230/wk for 3 bed Reading — £299/wk for 3 bed Renfrewshire/ Inverclyde — £138/wk for 3 bed Richmond & Hambleton — £150/wk for 3 bed Rotherham — £127/wk for 3 bed Rugby & East — £196/wk for 3 bed Salisbury — £211/wk for 3 bed Scarborough — £150/wk for 3 bed Scottish Borders — £142/wk for 3 bed Scunthorpe — £132/wk for 3 bed Sheffield — £156/wk for 3 bed Shropshire — £167/wk for 3 bed Solihull — £230/wk for 3 bed South Cheshire — £156/wk for 3 bed South Devon — £193/wk for 3 bed South East Herts — £315/wk for 3 bed South Gwynedd — £125/wk for 3 bed South Lanarkshire — £165/wk for 3 bed South West Essex — £276/wk for 3 bed South West Herts — £345/wk for 3 bed Southampton — £247/wk for 3 bed Southend — £253/wk for 3 bed Southern Greater Manchester — £207/wk for 3 bed Southport — £178/wk for 3 bed St Helens — £144/wk for 3 bed Staffordshire North — £137/wk for 3 bed Stevenage & North Herts — £288/wk for 3 bed Sunderland — £127/wk for 3 bed Sussex East — £219/wk for 3 bed Swansea — £138/wk for 3 bed Swindon — £219/wk for 3 bed Taff Rhondda — £114/wk for 3 bed Tameside & Glossop — £173/wk for 3 bed Taunton & West Somerset — £196/wk for 3 bed Teesside — £127/wk for 3 bed Thanet — £207/wk for 3 bed Torfaen — £150/wk for 3 bed Tyneside — £150/wk for 3 bed Vale of Glamorgan — £167/wk for 3 bed Wakefield — £167/wk for 3 bed Walton — £334/wk for 3 bed Warwickshire South — £240/wk for 3 bed West Cheshire — £183/wk for 3 bed West Cumbria — £127/wk for 3 bed West Dunbartonshire — £156/wk for 3 bed West Lothian — £173/wk for 3 bed West Pennine — £116/wk for 3 bed West Wiltshire — £207/wk for 3 bed Weston-S-Mare — £213/wk for 3 bed Wigan — £137/wk for 3 bed Winchester — £293/wk for 3 bed Wirral — £150/wk for 3 bed Wolds and Coast — £138/wk for 3 bed Worcester North — £173/wk for 3 bed Worcester South — £190/wk for 3 bed Worthing — £272/wk for 3 bed Wrexham — £138/wk for 3 bed Yeovil — £196/wk for 3 bed York — £190/wk for 3 bed Official rates from 1 April 2026. Enter a postcode above and we will pick this for you. Rent basis Market rent for the whole house LHA rate for the whole house Monthly rent (£ pcm) £0 a year. Gross rent (monthly) £0
Gross rent (annual) £0
Running income & expenses Verdict
Add your numbers
Enter the rooms and rent to see whether this stacks up.
Key numbers Money left in None — fully recycled
Net cash flow (monthly) £0
Net cash flow (annual) £0
ROCE / cash-on-cash Infinite — no cash left in
Yearly cash buffer (min £7,500) £0 — £7,500 short
Gross yield 0.0%
Net yield 0.0%
Rent cover (ICR) —
Planning, architecture & engineering Speak to SAM Planning — planning applications, architectural drawings and structural engineering for extensions, conversions, HMOs and new developments.
Mortgages & fast bridge loans Speak to Stonevale Finance — purchase and remortgage lending, development finance and quick bridge arranged fast.
Figures are estimates only and not tax or financial advice.