Mortgage Calculator
Estimate Your Mortgage with Ease
Planning a property investment? Our UK mortgage calculator is a simple yet powerful tool designed to help you understand your potential monthly repayments before you commit.
Just enter key details like the loan amount, down payment interest rate, and repayment term, and you’ll instantly see a breakdown of your estimated monthly costs. It’s a quick way to assess how a mortgage might fit into your overall investment strategy or personal budget.
Whether you’re buying your first property or expanding your portfolio, this tool gives you a clearer view of your financing options—so you can move forward with confidence.
Mortgage Calculator
What You Should Know About Stamp Duty
When purchasing an investment property in England or Northern Ireland, Stamp Duty Land Tax (SDLT) is a key cost to factor into your budget. The amount you’ll need to pay depends on both the purchase price and the purpose of the acquisition—buying an additional property, for example, may incur higher rates.
If you’re new to property investment, the rules around stamp duty can seem a little overwhelming. But don’t worry—Cornerstone Property Partners is here to guide you every step of the way.
To make things easier, we’ve outlined the updated 2025 stamp duty bands below, so you can quickly estimate what your liability might be before committing to a purchase.
First-Time Buyers Stamp Duty Rates
Stamp duty rates for first-time buyers in England will be as follows:
| Property Selling Price | SDLT Rates until March 2025 | SDLT Rate on April 1, 2025 |
|---|---|---|
| Up to £300,000 | 0% | 0% |
| £300,001 to £425,000 | 0% | 0% |
| £425,001 to £500,000 | 10% | 5% |
| £500,001 to £1,625,000 | 5% | 5% |
Additional Property / Investor Rates
If you buy an additional property in England (e.g. a second buy-let) the following thresholds apply:
| Property Selling Price | SDLT Rates until March 2025 | SDLT Rate on April 1, 2025 |
|---|---|---|
| Up to £125,000 | 5% | 5% |
| £125,001 to £250,000 | 5% | 7% |
| £250,001 to £925,000 | 10% | 10% |
| £925,001 to £1.5 million | 15% | 15% |
| More than £1.5 million | 17% | 17% |
FAQs
Got Questions About Property Investment?
At Cornerstone Property Partners, we’ve supported investors across the UK through countless successful transactions. With over a decade of experience in the property market, we’ve come across just about every question you could think of.
To make things easier for you, we’ve put together answers to some of the most frequently asked questions about property investment. Whether you’re just getting started or looking to expand your portfolio, you’ll find valuable insights here.
Still need help? Our team is always happy to provide personalised guidance, or send us a message here and one of our investment specialists will be in touch.
We specialise in high-quality residential and buy-to-let investment opportunities in prime UK locations, carefully selected for their growth potential and strong rental yields.
We’re not just brokers – we’re long-term partners. On the way to 20 years of experience, impeccable service, and many successful transactions, we deliver smart, solid investments with integrity and care.
Buy-to-let involves purchasing a property to rent out to tenants, generating rental income and potential property value appreciation over time.
After the rent assurance period, you can continue to have the property fully managed and maintained by the company offering the rental assurance if you wish. We offer a lettings service and can assist in the ongoing management of your property.
Landlords must pay income tax on rental income, capital gains tax on property sales, and stamp duty on property purchases. Various deductions, such as mortgage interest and maintenance costs, can reduce taxable income.
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Market Fluctuations: Property values can decrease due to economic downturns.
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Tenant Issues: Potential for rental voids, non-payment, or property damage.
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Maintenance Costs: Ongoing expenses for property upkeep and repairs.
Landlords must ensure the property is safe and habitable, comply with health and safety regulations, and manage tenancy agreements. This includes conducting regular property inspections and promptly addressing maintenance issues.
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Regular Rental Income: Provides a steady cash flow.
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Capital Appreciation: Potential for property value increase over time.
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Tax Advantages: Various tax reliefs and deductions available for landlords.
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Control Over Investment: Direct ownership and management of the property.
Top locations include Manchester, Birmingham, Liverpool, Newcastle and London, known for their strong rental demand, economic growth, and potential for capital appreciation.
Absolutely. We work with first-time investors as well as seasoned professionals, offering step-by-step guidance, market insights, and end-to-end support.
You can start investing from as little as £25,000, depending on the property. We offer opportunities at various entry points to suit your investment goals.
We offer a turnkey solution, including a fully managed service for your property investment. Our team will handle the management of your property, ensuring a hassle-free experience for you.
Financing options include cash purchases and buy-to-let mortgages. Lenders typically require a larger deposit (usually around 25%) and higher interest rates compared to residential mortgages.
Consider factors such as location, property type, rental demand, and potential rental yield. Researching local market trends and consulting with property investment experts can help in making an informed decision.
Yes. We work with a network of experienced mortgage brokers who specialise in the UK buy-to-let market who can help you secure competitive financing options tailored to your investment strategy.
Investing in UK property does not automatically grant eligibility for a visa. Immigration policies are subject to change, so it’s advisable to consult with an immigration expert for the most current information.
Typically, in England, apartments in developments are leasehold, with lease lengths starting from 125 years upwards.
