Calculators
Run the numbers.
Stamp duty, total cost of ownership, rental yield, mortgage affordability, FX — indicative figures, computed locally, no sign-up. For binding numbers, talk to a senior advisor.
Transfer tax
Stamp duty + transfer fees.
UK SDLT bands, UAE 4% transfer fee, US closing-cost approximator.
Stamp duty / transfer tax
Indicative buyer-side acquisition tax across our markets — figures in each jurisdiction's native currency.
Total tax
£153,750
7.69% of price
- 2% on £125,000 (band)£2,500
- 5% on £675,000 (band)£33,750
- 10% on £575,000 (band)£57,500
- 12% on £500,000 (band)£60,000
Indicative. Confirm with your conveyancer for the exact 2025/26 SDLT calculation, including any reliefs.
Holding cost
Total cost of ownership.
Service charge, taxes, insurance, maintenance — first five years.
Total cost of ownership
Annual running costs, before financing — service charge, tax, insurance, upkeep.
Monthly
£3,450
Annual
£41,400
5-year total
£207,000
10.3% of price
Excludes mortgage interest, rental management fees, capital improvements, and inflation. Maintenance figure is a rule-of-thumb.
Investor view
Rental yield + ROI.
Gross and net yield with vacancy + opex assumptions.
Yield + ROI
Gross + net rental yield. Vacancy and operating costs subtract.
Gross annual rent
£96,000
Gross yield
4.80%
vs purchase
NOI (annual)
£70,656
after vacancy + opex
Net yield
3.53%
vs purchase
Excludes financing costs, capital appreciation and tax. Net yield ≈ unlevered IRR for a flat-pricing horizon.
Affordability
Mortgage payments.
Indicative monthly payment + total interest by deposit, rate, term.
Mortgage affordability
Indicative monthly payments. Bring this to a finance advisor for a real DIP.
Loan
£1,300,000
LTV 65.0%
Monthly
£7,790
Total interest
£1,037,066
Total repayments
£2,337,066
Indicative repayment-only figures. Excludes arrangement fees, stress-test buffer, life cover, valuation. Speak with our finance desk for a real DIP.
Our lending panel
1 lenders on our panel.
Private banks, specialist and mainstream lenders we introduce clients to. Rates are negotiated individually — speak to an advisor for terms.
Abu Dhabi Islamic Bank (ADIB)Bankدول الخليج
Currency
FX converter.
Cross-currency conversion at our reference rates.
FX converter
Cross-currency conversion at our reference rates.
1,000,000 USD
3,670,000 AED
1 USD = 3.6700 AED
Showing reference snapshot — refresh for live rates if available.
Sole-mandate, single-side
No dual-agency on any transaction. Conflicts disclosed in writing.
Discretion by default
Off-market sourcing, alias representation, NDA-ready.
Audit-ready paper trail
Mandate, briefs, memos and closing dossier — written, signed, archived.
In depth
Modelling the real cost of a prime purchase
A headline price is only the start of the sum. Here is how to use these tools well — and where an advisor takes over from the arithmetic.
Acquisition tax, wherever you buy
The transfer-tax tool applies current UK SDLT bands — including the additional-property and non-resident surcharges — alongside the UAE 4% transfer fee and comparable closing costs elsewhere, so a cross-border buyer can compare markets in one place. The figure is indicative; for a binding liability on your circumstances, a senior advisor will confirm it, and our market data shows how tempo and pricing differ market to market.
Holding cost and honest yield
Ownership is a running cost, not a one-off. Model service charge, tax, insurance and maintenance over the first five years, then set your own vacancy and opex assumptions on the yield tool — for super-prime assets the net figure is the honest one. When you are ready to test a real asset, pair the numbers with a discreet valuation.
Private, local, and nothing stored
Every calculation runs in your browser with no sign-up and nothing sent to us. High-value mortgage terms are negotiated individually rather than read off a rate table, so use the affordability tool as a guide and let an advisor introduce the right private-bank desk. Deeper reading sits in our guides, and a bespoke model is always a conversation away.
How is UK stamp duty (SDLT) calculated on a prime London purchase?
SDLT is charged in bands on the purchase price, with a surcharge for additional properties and for non-UK residents. Our calculator applies the current bands to give an indicative figure, but a senior advisor will confirm the exact liability for your circumstances.
Do these calculators cover Dubai, Riyadh and other GCC markets?
Yes. The transfer-tax tool includes the UAE 4% transfer fee and comparable closing costs for other markets, so buyers across the GCC, London and Europe can model total acquisition cost in one place.
What is the difference between gross and net rental yield?
Gross yield is annual rent divided by purchase price, while net yield deducts service charge, vacancy, management and maintenance. For super-prime assets the net figure is the honest one, and our yield calculator lets you set those assumptions.
Are the mortgage figures binding?
No. The mortgage tool gives an indicative monthly payment and total interest based on deposit, rate and term. Private-bank terms for high-value lending are negotiated individually, and a senior advisor can introduce you to the right desk.
How current are the FX rates used in the converter?
The converter uses our reference rates with a snapshot fallback so it remains useful offline. For a live rate on a specific transaction, speak to your advisor, who will coordinate with the relevant currency desk.
Do you store the numbers I enter?
No. Every calculation runs locally in your browser with no sign-up and nothing sent to us. Your inputs stay private unless you choose to share your shortlist with an advisor.
Related
Continue exploring
- Request a valuationA senior advisor values your asset discreetly.
- The Belgrave IndexVolume, tempo and price discipline by market.
- Off-market opportunitiesQuietly held mandates, shown on introduction.
- Our servicesHow we advise buyers and sellers.
- GuidesPractical reading on prime and super-prime buying.
- Speak to an advisorBespoke cost and yield modelling.
Ready when you are
Need binding figures?
A senior advisor will run a bespoke cost + yield model for your shortlist.
- No obligation, ever
- A personal reply within one working day
- One named senior partner throughout
Private and discreet. Your details are never sold, shared or added to a marketing list.