A&Y Property Deal Analyzer — UK BTL Tax
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UK Buy-to-Let analyser: SDLT (FTB & 3% surcharge), Section 24 vs SPV, net cash flow. By A&Y Financials. 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.