Loan to Value: The Single Most Important Number in Property Finance
LTV is the first number every lender looks at. It tells them how much risk they…
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Bridging Loan Interest: How to Calculate the True Cost of Short-Term Finance
Bridging loans are expensive. But if you need to move fast on a deal, they can…
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Outstanding Loan Balance: How Much You Still Owe at Any Point
If you sell a property after five years, how much do you still owe the bank?…
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Total Cost of an Interest-Only Mortgage: The Balloon You Need to Plan For
Interest-only mortgages look cheap because the monthly payments are low. But the total cost over the…
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Total Interest Paid: How Much the Bank Really Makes on Your Mortgage
Here is a number that shocks every new landlord. On a £150,000 repayment mortgage at 5.5%…
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Interest-Only Mortgage: The Default Choice for BTL Investors
Most BTL mortgages in the UK are interest-only. There is a good reason for that. Interest-only…
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Repayment Mortgage Monthly Payment: The Formula Behind Every Mortgage Quote
Your mortgage is probably your biggest monthly cost. Yet most landlords never run the calculation themselves….
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Void Allowance: The Cost New Landlords Always Forget
Ask a new landlord what their income is and they will say £12,000 a year on…
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Monthly Cashflow: What Is Left in Your Bank Account at the End of the Month
This is the number every landlord checks first. Rent came in. Mortgage went out. What is…
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Before-Tax Cash Flow: What Your Property Actually Pays You
NOI tells you how the building performs. Before-Tax Cash Flow tells you how you perform. It…
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Net Operating Income: The Property’s Performance, Stripped of Your Financing
NOI is the most widely used metric in commercial property. It is also useful for residential…
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Effective Gross Income: Your Real Rent After Voids
Most landlords calculate their rental income based on 12 months of rent. That is fiction. No…