RealYield bronze

List RealYield calculators

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. No inputs.

• {"skill":"list_realyield_calculators","arguments":{}}

Search RealYield

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. Inputs: query (string, required), type (string), limit (integer).

• {"skill":"search_realyield","arguments":{"query":"section 24"}}

Define a property term

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. Inputs: term (string, required).

• {"skill":"define_property_term","arguments":{"term":"gross yield"}}

Analyse a buy-to-let deal

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. Inputs: purchase_price (number, required), monthly_rent (number, required), mortgage_balance (number), mortgage_rate (number), service_charge_monthly (number), ground_rent_annual (number), utilities_monthly (number), agent_fee_percentage (number), agent_fee_vat_applicable (boolean), repairs_percentage (number), void_months_per_year (number), ownership_type (string), tax_band (string), corporation_tax_rate (number), current_market_value (number), valuation_basis (string).

• {"skill":"analyse_buy_to_let_deal","arguments":{"purchase_price":200000,"monthly_rent":1100}}

Calculate stamp duty (SDLT)

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. Inputs: propertyPrice (number, required), buyerType (string), depositPercent (number).

• {"skill":"calculate_stamp_duty","arguments":{"propertyPrice":250000}}

Calculate Section 24 tax

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. Inputs: annualRent (number, required), annualOperatingCosts (number), annualMortgageInterest (number), taxBand (string).

• {"skill":"calculate_section_24_tax","arguments":{"annualRent":13200,"annualMortgageInterest":6000,"taxBand":"higher"}}

Compare personal vs limited company

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. Inputs: annualRent (number, required), annualOperatingCosts (number), annualMortgageInterest (number), personalTaxBand (string), dividendAmount (number).

• {"skill":"compare_personal_vs_company_ownership","arguments":{"annualRent":13200,"annualMortgageInterest":6000,"personalTaxBand":"higher"}}

Calculate a buy-to-let mortgage

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. Inputs: propertyValue (number, required), depositAmount (number), interestRate (number), mortgageTerm (integer), mortgageType (string), productFee (number), feeAddedToLoan (boolean), monthlyRent (number).

• {"skill":"calculate_btl_mortgage","arguments":{"propertyValue":200000,"monthlyRent":1100}}

Calculate capital gains tax

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. Inputs: purchasePrice (number, required), salePrice (number, required), purchaseCosts (number), improvementCosts (number), sellingCosts (number), sdltPaid (number), assetType (string), ownershipType (string), annualIncome (number), otherGainsThisYear (number), isMainResidence (boolean), monthsAsMainResidence (number), totalMonthsOwned (number).

• {"skill":"calculate_capital_gains_tax","arguments":{"purchasePrice":150000,"salePrice":220000}}

Look up rental yields by area

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. Inputs: area (string), region (string), limit (integer).

• {"skill":"lookup_area_rental_yields","arguments":{"area":"Leeds"}}

RealYield MCP server

UK buy-to-let calculators, area rental yields and Deal Check from the RealYield engine, as a remote MCP server. Read-only tools; only Deal Check needs a free account.

RealYield A2A agent

The same calculations as the MCP server's public tools, as A2A 1.0 skills: send a data part naming a skill and its arguments, get the figures back at once. No sign-in.

uk-buy-to-let-analysis

Analyse a UK buy-to-let property with RealYield: true net yield after real costs, monthly cashflow, Section 24 tax, stamp duty, mortgage stress tests and a deal score. Use when someone gives a UK purchase price and rent, or asks whether a rental property stacks up.

uk-rental-yield-data

Get average rents, property prices, gross and net rental yields and monthly cashflow for local authority areas in England and Wales from RealYield's free JSON APIs, based on ONS and HM Land Registry data. Use when someone asks where yields are highest, or what an area's average rent or yield is.

RealYield data API

Free, read-only JSON: average rents, prices and gross yields by area, the Net Yield Index and a site content index. No API key.