Social Housing Calculator

Lease to a registered provider or local authority for general-needs housing: guaranteed, hands-off income

Add a postcode for a real local LHA rate for your lease income:

Property & Purchase

Where is the property?

Northern Ireland uses the same Stamp Duty as England.

Purchase Price

Refurb Cost

Legal Fees

Survey Fees

Broker Fees

Other Costs

SDLT (auto): £10,100

Ownership & Tax

Owned by

Your other annual income

£40,000

Remembered for this browser session only. Sign in to save it to your account and share it across every calculator.

Finance

Deposit %

Interest Rate %

Interest only

The Lease

Between you and the registered provider/council, not individual tenants

Bedrooms

Monthly Lease Income

Lease Length (years)

Annual Uplift %

Insurance (£/mo)

43/100

Social Housing Margins Are Tight

Based on yield, after-tax ROI, and cashflow: connect a Deal Analyser deal to compare directly

£245/mo

6.33% gross yield

Lease income minus insurance minus mortgage: the provider handles tenants, arrears, and voids

Returns

£68,100

Total Cash In

£183

Monthly Cash Flow (after tax)

3.23%

ROI (after tax)

£675

Monthly Mortgage

£59,326

Income over 5yr lease

Income Tax (after Section 24 credit): £742 tax

Yield is typically lower than open-market letting in exchange for the lease guarantee: that trade-off is the whole point, not a flaw in the numbers.

Check the provider's covenant strength (Companies House filing history, years trading) before signing: same due diligence as any long commercial lease.