A&Y Property Deal Analyzer — UK BTL Tax

About

Analyse any UK buy-to-let property deal in seconds — directly from your browser.

Built by A&Y Financials, a UK tax & accounting firm specialising in property investors and SPV structuring.

WHAT IT DOES
• Calculates Stamp Duty Land Tax (SDLT) using 2025/26 England & NI rates
• Toggle First-Time Buyer relief (0% to £300k, 5% to £500k)
• Toggle the +5% additional property surcharge (Oct 2024 onwards)
• Compares Personal Name (Section 24) vs SPV (Limited Company) ownership
• Shows net annual & monthly cash flow under both structures
• Highlights the winning structure and the £/year difference
• Download a full text summary or print/save as PDF

WHO IT'S FOR
• Property investors browsing Rightmove / Zoopla / OnTheMarket
• Landlords weighing up incorporation
• Accountants running quick client scenarios

DISCLAIMER
Estimates only. SDLT rates apply to England & Northern Ireland. Scotland (LBTT) and Wales (LTT) differ. Not tax advice — consult a qualified accountant before purchase.

ABOUT A&Y FINANCIALS
UK chartered tax firm helping 500+ landlords, contractors and SMEs. Visit ayfinancials.com to book an SPV Restructure Audit.