Buy → Refurb → Sell
Flip Calculator
Model a property flip from purchase to sale. Includes SDLT, bridging finance, agent fees, and Capital Gains Tax.
The Deal
£
£
months
£
Additional property (+3% SDLT)
Bridging Finance
%
%
%
Fees & Costs
£
£
£
%
£
Capital Gains Tax
Use annual exemption (£3,000)
Verdict
Decent — Worth Doing
Net ROI
11%
Net Profit
£27,434
Cash Required
£98,500
CGT Due
£7,716
Profit/Month
£4,572
Purchase Costs
Purchase price£200,000
Stamp duty (SDLT)£6,000
Legal fees£2,500
Survey£500
Total purchase£209,000
Refurb & Finance
Refurb cost£30,000
Bridging interest£4,500
Arrangement fee£3,000
Holding costs (4 months)£2,000
Sale
Sale price£290,000
Agent fees (1.5%)−£4,350
Legal fees−£2,000
Net proceeds£283,650
Profit & Tax
Total cost in£248,500
Net sale proceeds£283,650
Gross profit£35,150 (14.1% ROI)
Chargeable gain£35,150
Annual exemption−£3,000
Taxable gain£32,150
CGT @ 24%−£7,716
Net profit (after CGT)£27,434
Net ROI
11%
Net Margin
9.5%
Timeline
6 months
Includes SDLT with additional property surcharge, bridging finance, and CGT at current rates
Pro Features
Sensitivity analysis
±£15K
Comparable flips
4 nearby
SPV comparison
Save £2.1K
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Estimate only — CGT calculations are simplified. Your actual tax liability depends on your full income, other gains, and personal circumstances. Always consult an accountant. This is not financial or tax advice.