Deal analysis with stamp duty built in

See it in action

Running the wizard end to end on a South Hampstead flat, then adding a refurbishment cost in the Edit section and watching the summary recalculate. No credits are spent — deal analysis is free on every plan.

How it works

1. 1

   Step 1 — Purchase

   Enter the most you would pay, then your solicitor costs, survey costs and any auction or agent fees. The purchase price is already filled in with the listing price, so change it only if your number is different. Leave “Additional stamp duty rate applies” ticked if this is a second property or a company purchase. It is ticked by default.

2. 2

   Stamp duty is worked out for you

   You never look up a rate. Agent Estate calculates the stamp duty from the purchase price. With the additional-property surcharge ticked, the rates are 5% up to £125k, 7% to £250k, 10% to £925k, 15% to £1.5m and 17% above that. Untick the box and it uses the standard rates instead: 0%, 2%, 5%, 10% and 12%. These are the England and Northern Ireland rates from April 2025.

3. 3

   Step 2 — Financing

   Set your loan-to-value, the monthly interest rate, any arrangement fees, and how many months the loan runs for. It starts at 75% LTV and 0.75% a month over 12 months. Agent Estate then works out the loan amount and what the finance costs in total, and separates the cash you need to find from the total cost of the project.

4. 4

   Step 3 — GDV and selling costs

   Your GDV is already filled in, taken from the average of the comparables you starred, and labelled so you know where it came from. Type over it whenever your own view is different. Then add the estate agent fee as a percentage of GDV, plus any legal or other selling fees.

5. 5

   See the deal summary

   Finish the wizard and you get Purchase Price, GDV, Expected Profit and ROI along the top, with Total Refurbishment, Total Project Cost and Cash Required underneath. Profit and ROI go green when the deal works and red when it does not. Expected Profit also shows in the property header and on every card in your portfolio.

6. 6

   Change anything later

   Open the “Edit Deal Analysis” panel to find every field in one place, grouped into Purchase, Financing, GDV & Selling, and Refurbishment. Changes save as you type and the summary updates immediately. Refurbishment cost uses the total from your Refurb tab — leave it blank to keep following that estimate, or type your own figure to override it. Restart clears everything and begins again.