For btl investors

The property report built for buy-to-let investors

Rental yield modelling, Section 24 tax impact, 10-year ROI scenarios and HMO licensing checks. The numbers behind the decision, in one PDF.

Most BTL buyers pay £49.99 for the Investor tier and avoid a single bad purchase that would have cost them ten times that in lost yield, surprise tax, or missed licensing fees. The investor report runs the property through every commercial filter you should care about before you make an offer.

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What btl investors actually need to check

The six risks that matter most for your purchase, all flagged in the report before you make an offer.

Real rental yield, not estate-agent fantasy

PropertyData rents + Land Registry sales give you gross and net yield modelled against actual local comparables, not the rosy figure the listing implies.

Section 24 tax impact modelled

Buy-to-let mortgage interest is no longer fully deductible. Investor reports show your annualised tax position at three rate-of-return scenarios.

BTL stamp duty surcharge calculated

Standard SDLT plus the 5% additional-property surcharge. We compute both so you can see the full purchase cost before you offer.

HMO suitability + licensing flag

If you're considering converting to an HMO, we check the local authority's licensing scheme, the national HMO register, and whether the property's article-4 area imposes planning restrictions.

10-year ROI projections (3 scenarios)

Conservative, base case and optimistic returns modelled across capital growth + rental yield + voids + tax. See the IRR you're realistically buying.

Tenant pool quality signals

Demographics, employment rate, ASHE earnings, area type, rental demand index, the data that predicts void rates and rent realism.

The report sections that matter most for you

Same report. Ordered by what matters to your decision.

  1. 1

    Investor Snapshot + Purchase Economics

    Deposit, fees, stamp duty (with BTL surcharge), all upfront costs in one block. Tells you the all-in cash needed to complete.

  2. 2

    Mortgage Scenarios across LTV bands

    Repayment and interest-only across 60% / 75% / 80% LTV using live mortgage rate data. Helps you pick the financing structure with the best risk-adjusted return.

  3. 3

    10-year ROI Projections

    Conservative / base / optimistic scenarios for IRR. Most BTL decks oversell. Ours is honest because we model voids and Section 24 properly.

  4. 4

    Rental Yield + Local Rents

    Gross + net yield, plus rents for similar properties in the postcode. Section 24 tax impact computed against current mortgage interest rates.

  5. 5

    HMO Licensing + National Register

    Article-4 status, additional/selective licensing scheme, plus existing HMOs nearby. Critical for any conversion plan.

  6. 6

    Demographics + Tenant Pool

    Employment rate, ASHE earnings, area type and deprivation decile, the signals that predict rent realism and void length.

Recommended for you

Investor report · £49.99

The Investor tier adds purchase-economics breakdown, mortgage scenarios across LTV bands, 10-year ROI projections, a structured risk register and a pre-exchange action checklist. Standard and Premium don't include the financial modelling.

Get a report for your address

All three tiers buyable. Premium adds ownership + planning depth. Investor adds full financial modelling.

Common questions

How accurate is the rental yield estimate?
We use PropertyData's live rents endpoint plus LHA rates for benchmarking, then compute gross and net yield using your mortgage scenario and standard void/maintenance assumptions (10% of rent for management, 1 month void per year, 1% of value for maintenance). You can sense-check the rent number against the comparable rentals in the report.
Does the report calculate stamp duty for limited company purchases?
Yes. Companies pay the same 5% additional-property surcharge as individual BTL buyers. The Investor report shows SDLT for personal + corporate purchases plus the Annual Tax on Enveloped Dwellings (ATED) implications if the company is non-resident.
What about Section 24 mortgage interest relief?
Section 24 phases out mortgage interest as a deductible expense; you instead get a basic-rate (20%) tax credit. We model the actual after-tax cash flow at 20%, 40% and 45% tax bands so higher-rate landlords see the true Section 24 hit.
Can I use the report for a portfolio of properties?
Order one report per address. For portfolio analysis, the Investor tier of each report includes the risk register and action checklist. Many investors keep these as a structured pre-exchange file per property. If you're buying 10+ a year, get in touch for portfolio pricing.
Does the report flag Article-4 directions?
Yes. Article-4 removes permitted development rights, relevant if you're considering an HMO conversion or splitting into flats. The Investor planning section flags Article-4 areas and links to the local authority's adoption document.
How does the report handle commercial conversion potential?
If the title shows commercial use class, we flag it. For residential properties with development potential (rear extension, loft conversion, additional units), we use PropertyData's build-cost and gross development value (GDV) calculations to model whether adding a unit is financially worthwhile.