The maths behind UK property deals
No fluff, no "top 10 tips" filler — just the numbers that actually decide whether a deal works in 2026, and how lenders and the taxman look at them.
Does your buy-to-let stack in 2026?
Stamp duty, the lender stress test, real cashflow and Section 24 — the full walk-through from purchase price to honest verdict.
MortgagesHow lenders stress test a buy-to-let mortgage
The ICR test caps your loan before cashflow ever matters. Here's the 125% vs 145% maths, the stressed rate, and how to pass.
TaxSection 24 explained
Why individual landlords can't deduct mortgage interest, who really loses out, and when a limited company is worth it.
Stamp dutyStamp duty on a buy-to-let in 2026
The 5% surcharge, worked band-by-band, and how much cash it really takes out of a deal — the cost most first-timers underestimate.
StructureLimited company vs personal name
Section 24, corporation tax, mortgage rates and dividends compared — with a worked after-tax example that shows the real difference.
StrategyWhat is BRRR?
Buy, Refurbish, Rent, Refinance — how to recycle your deposit and repeat, the two numbers that decide it, and where it bites in 2026.
Getting startedFirst-time landlord checklist 2026
The numbers, the Renters' Rights Act, EPC rules, safety certificates, licensing and tax — everything a new UK landlord needs to get right, in one checklist.
CashflowThe running costs that kill returns
Voids, maintenance, management, insurance and the looming EPC upgrade — why net yield is so much lower than the listing's gross, with a worked example.
MortgagesInterest-only vs repayment
Cashflow now or equity later? The trade-off, the Section 24 angle and a worked comparison at 2026 rates — how to choose for your deal.
FlipsHow much should a flip make?
The 15% of GDV rule, and why stamp duty, bridging and holding costs quietly halve the headline profit — with a full worked example.
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