Deal analyser · 2026 tax year
What would this deal actually make?
Every number below is an input. The defaults are assumptions, labelled as such — change them to your quotes.
Price spread
€75,000
sale − purchase. Not a profit.
Estimated profit after costs & tax
€6,566
1.8% on cash invested
Purchase price€300,000
Stamp duty (2026 rates)€3,000
Legal (incl. VAT), survey, Land Registry€3,360
Works + contingency€46,000
Holding costs + interest€3,150
Agent and selling legal (incl. VAT)€8,764
Total cost€364,274
Estimated profit before tax2.9% margin on total cost€10,726
Capital Gains Tax (estimate)33% of the gain above €1,270. Buying to sell can be taxed as trading income instead.€4,160
Estimated profit after tax€6,566
Cash you needall costs to completion, less the loan€355,510
Break-even sale priceprofit before tax is zero at this price€364,072
Estimates only, on the assumptions shown. Values can fall; works and finance often cost more than planned; tax depends on your circumstances. Not financial or tax advice. Sources: Revenue — stamp duty on residential property, Revenue — Capital Gains Tax rates and exemption, Citizens Information — stamp duty. Rules reviewed 2026-09-25.