Cash in
| Deposit (30% of price; bridging loan for the rest) | £284,400 |
| Stamp Duty Land Tax (additional-home rates) | £85,950 |
| Legal fees | £1,800 |
| Survey | £600 |
| Bridging fee (2%) | £13,272 |
| Bridging interest (6 months at 0.85% a month) | £33,844 |
| Total cash in | £419,866 |
Stamp Duty Land Tax: £85,950
| £0 – £125,000 | 5% | £6,250 |
| £125,000 – £250,000 | 7% | £8,750 |
| £250,000 – £925,000 | 10% | £67,500 |
| £925,000 – £948,000 | 15% | £3,450 |
Additional-home rates, as checked in October 2026. Buying through a company, or replacing your main home, can change this. Stamp duty calculator
Sale
| Sale price | £1,185,000 |
| Selling costs | −£19,275 |
| Bridging loan repaid | −£663,600 |
| Cash in (above) | −£419,866 |
| Profit before tax | £82,259 |
Profit is 6.9% of the sale price. Many investors look for 15–20% to cover surprises. Profits are taxed as income or, through a company, corporation tax.
All figures are before income tax. Individual landlords cannot deduct mortgage interest in full (they get a 20% tax credit instead), so higher-rate taxpayers pay tax on more than their cash flow. This is a calculator, not financial advice. Read the guide