Tools

Mortgage, stamp duty & rental yield.

Three calculators for buyers, sellers and landlords across Tunbridge Wells, Kent and East Sussex — repayment mortgage, stamp duty for England & Northern Ireland, and gross/net yield for buy-to-let. Indicative figures only; for tailored advice we’ll introduce you to our local independent mortgage adviser.

Finance Calculators

Property PriceDeposit AmountInterest Rate (%)Repayment Term (Years)

Your repayments would be

£3,201 per month.

Indicative figures only. For an evidence-backed valuation and tailored mortgage / SDLT advice, speak to one of the directors.

Mortgage advice

Speak to a trusted local mortgage adviser.

We work closely with Steven Windley at Wells Financial, an independent mortgage adviser based in Tunbridge Wells. Whether you’re buying, remortgaging or building a buy-to-let portfolio, we’ll personally introduce you to Steven so he can find a deal that matches the numbers above.

Independent, whole-of-market access to lenders
Local expertise — not a national call centre
Personal introduction with your property context attached

Tell us a little about your plans and we’ll be in touch within one working day.

How they work

Five questions we get most.

The short answers. For the conversation, call Mike or Gemma directly — there’s a free valuation attached to every property question we get asked.

How do I calculate rental yield on a buy-to-let?

Gross rental yield is annual rent (monthly rent × 12) divided by the property's purchase price, expressed as a percentage. Net yield deducts running costs — service charge, ground rent, management fees, insurance, allowable repairs and void provision — before dividing by purchase price. Mortgage interest is a personal expense, not a property expense, and is excluded from yield. Use the rental yield tab in the calculator above to model both gross and net for a specific Tunbridge Wells, Tonbridge or surrounding-village property.

How does Stamp Duty work in England in 2026?

Stamp Duty Land Tax (SDLT) applies to residential property purchases above £125,000 for movers, with first-time buyers paying nothing up to £300,000 (and a reduced rate to £500,000). A 5% surcharge applies to additional properties — buy-to-let, second homes — on top of the standard band rates. The stamp duty tab in the calculator above models the standard, first-time buyer and additional-property scenarios for any purchase price up to £5m.

What's a good rental yield in Tunbridge Wells?

Tunbridge Wells gross yields typically run 3.5%–5.0% on family homes and 4.5%–6.0% on flats and smaller terraced houses, depending on postcode and condition. TN4 (Southborough, High Brooms) tends to deliver slightly higher yields than central TN1 / TN2 because purchase prices haven't fully kept pace with rents in those postcodes. For a tailored view on a specific property, book a free rental valuation — Mike (MARLA · FNAEA) will give you an evidence-backed figure rather than a desk estimate.

Are the calculator figures accurate enough to base decisions on?

Indicative — not regulated financial advice. The mortgage calculator assumes a standard repayment structure at the rate you enter; stamp duty applies the published 2026 SDLT bands; yield arithmetic is the standard market formula. We'd recommend confirming the figures with our local independent mortgage adviser, who runs whole-of-market sourcing and applies the lender-specific overlays the calculator can't (affordability, product fees, criteria). Request an introduction via the panel below the calculators.

Where can I get a real valuation, not just a calculator?

Book a free in-person valuation with one of our directors. A 30-minute home visit lets us account for the things a calculator can't see — condition, presentation, comparable evidence from streets-away rather than postcode-wide, and where the local market is sitting today. Sales valuations go through Gemma; lettings valuations through Mike.

SDLT 2026

Current stamp duty bands.

Residential SDLT rates for England & Northern Ireland, current as of May 2026. The calculator above applies these bands automatically; this table is for reference, sharing or quick mental arithmetic on a shortlist.

Movers (no additional property)

Up to £125,0000%
£125,001 – £250,0002%
£250,001 – £925,0005%
£925,001 – £1,500,00010%
Over £1,500,00012%

First-time buyers (purchase under £500,000)

Up to £300,0000%
£300,001 – £500,0005%
Over £500,000Standard rates apply

Relief withdraws entirely above £500,000 — first-time buyers paying more than that pay the full standard rates.

Additional property (buy-to-let or second home)

A 5% surcharge applies on top of the standard mover bands above. So the first £125,000 attracts 5% (not 0%); £125,001–£250,000 attracts 7% (not 2%); £250,001–£925,000 attracts 10% (not 5%); and so on through the higher bands.

This table is for England & Northern Ireland. Scotland uses LBTT; Wales uses LTT — different bands and rates apply.

Typical yields

Where the numbers work.

Gross yield ranges from our active register, by area. Indicative — specific properties vary materially with condition, EPC and lease structure. For a property- level view, request a free rental valuation.