How to Calculate Capitalisation Rate on a Rental Property
Divides net operating income by property value. NOI is rental income minus operating expenses, and explicitly excludes mortgage payments — that exclusion…
Real estate guides
Mortgage, affordability and property-return guides built around realistic costs and scenarios.
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9 articles
How to Calculate Cash-on-Cash Return for Property
Divides annual pre-tax cash flow by the cash you actually put in — deposit, closing costs and any initial works — rather than by the property price.
How to Estimate Home-Buying Closing Costs
Estimates the one-off costs of completing a purchase from percentages you set, defaulting to 1.5% and 0.75% components against a 350,000 price.
How Much House Can You Actually Afford?
Estimates the property price your income supports, from your deposit, existing debt payments and a debt-to-income limit.
How to Calculate a Mortgage Payment and Total Interest
Calculates the monthly payment on a mortgage, and adds property tax and home insurance so the figure resembles what actually leaves your account.
How Extra Payments Change Your Mortgage Payoff Date
Shows how extra payments shorten the term and reduce total interest, from a 240,000 balance at 6.5% by default.
How to Calculate Whether Refinancing Will Save Money
Compares your current loan against a new one and works out how many months it takes for the savings to cover the refinancing costs.
Renting vs Buying: How to Compare the Real Long-Term Cost
Compares the cost of renting against buying over time, using a 350,000 property with a 70,000 deposit by default.
How to Calculate Gross and Net Rental Yield
Calculates both gross yield — annual rent divided by price — and net yield, which subtracts running costs and allows for vacancy.
Reading guide
What this Real Estate section covers
Mortgage, affordability and property-return guides built around realistic costs and scenarios. This archive is kept focused so readers can move from a broad topic to a specific tool, setting or workflow without landing on a thin tag page.
Each article is written to answer a practical question: what to use, which setting matters, what the limits are, and how to avoid wasting time or damaging a file.
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