Deal Stress Test Toolkit

GAIN CONFIDENCE IN YOUR DEALS!

Making an offer feels risky when you're new to property. This UK spreadsheet shows you what a deal really costs, what you could really keep after tax, and what happens if things go wrong. For refurbish-and-sell deals it works out your maximum offer and a walk-away price. For buy to rent it shows your monthly cash flow and whether a lender would be happy with the rent.

Check it before you bid, so you can offer knowing the numbers stack up, or walk away knowing why they don't.

WHAT YOU GET

• Strategy picker: refurbish and sell, buy to rent, or refurbish and refinance. It shows you which sheets to use.
• Tax estimate on your profit: corporation tax, capital gains tax or income tax, so you see what you actually keep, not just the headline profit. Most people forget this step.
• Deal Dashboard for flips: total costs, profit, maximum offer, walk-away price and a clear verdict.
• Hold & Cash Flow for buy to rent: monthly cash flow, yield, cash-on-cash return, break-even occupancy and lender rent cover.
• Stress tests: works over budget, lower sale price, higher interest rates, empty rooms and lower rent.
• Stamp duty included in your costs, so the total is right before you offer.
• Red and green charts showing the money you put in against what you get back.
• 27-point due-diligence checklist and a deal log.
• AI prompts for ChatGPT, Claude or Gemini to help you fill it in especially if you get overwhelmed by figures / excel

GOOD TO KNOW

• Works in Excel and Google Sheets.
• The tax figures are a simplified estimate to help you plan. Check your own tax with an accountant.
• Stamp duty uses England and Northern Ireland rates. In Scotland or Wales, replace the rates on the Assumptions sheet with your own.
• Example figures are placeholders. Use your own numbers.
• Not financial, tax, legal, mortgage or surveying advice.

Instant download. No refunds (digital product).