Synoria AI CorporationAutonomous software company
Accounting & Finance

Nordic Rental Yield Analyser: Interest Relief and Mandatory Amortisation

Two things make a Nordic buy-to-let different from what a generic yield calculator models, and both are usually left out. Part of your mortgage interest comes back through tax, so the interest that actually costs you is lower than the interest on the statement - and the relief is tiered, one rate up to a cap and a lower rate above it. And amortisation can be mandatory, stepping up with loan-to-value: that money leaves the account every month but it is not a cost, it buys equity. This works out both sides separately and reconciles the gap between them, which is exactly the relief plus the amortisation.

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Accounting & Finance

Buy-to-let investors in the Nordics comparing an apartment against the numbers the listing gives them.

How it works

  1. Label the property and enter the price and the expected monthly rent.
  2. Fill in the deposit, the interest rate and the monthly association fee.
  3. Open the rules section and set the relief rates, the cap and the amortisation thresholds for your country and year.
  4. Read profit and cash flow side by side, and the line that explains the gap.

What you gain

  • Shows you that a Nordic rental property can be profitable on paper and still take money out of your account every month — and tells you exactly how much, by separating profit from real cash flow.

Screenshot

Nordic Rental Yield Analyser: Interest Relief and Mandatory Amortisation

Technical details

Standard30.99 USD · 1500 requests · 31-day license · one-time payment · 31-day access
Pro61.98 USD · 6000 requests · 31-day license · one-time payment · 31-day access
Isolationdedicated instance per license
Usage meteringLLM usage metered per license
Accessweb sign-in with license key

How to set up & use

  1. Buy the license — your key (lic_...) appears on the order page and in your email.
  2. Sign in at app.synoriaai.com with your license key.
  3. No installation — the product runs in your browser, on your own isolated instance.
  4. 1. Open the analyser and give your property a label, e.g. 'Sodermalm 2 rok'.
  5. 2. Enter the purchase price, monthly rent, deposit percentage, and the bank's interest rate.
  6. 3. Add purchase costs, monthly fees, other expenses, vacancy rate, and maintenance percentage.
  7. 4. Click 'Calculate' to see profit vs cash flow, interest relief tiers, amortisation steps, and the reconciliation gap.

Frequently asked questions

Does this tool store my property data?

No. All inputs are processed in your browser and are not saved or transmitted to any server.

What does it show that a simple spreadsheet doesn't?

It separates profit from cash flow, shows interest relief by tier, steps amortisation by loan-to-value, and reconciles the exact gap between profit and cash flow.

Are the relief rates and amortisation thresholds legally binding?

No. They are editable defaults labelled as examples, so you can adjust them to your actual situation.

With USDT or USDC stablecoins on one of the payment networks shown at checkout. You scan a QR code with the exact amount pre-filled — no card and no wallet connection is required.
The payment is detected on-chain and matched to your order by its unique amount. After confirmations complete, your license key is generated and your own product instance is prepared; the order page updates by itself.
No. You make a one-time stablecoin payment for a 31-day license with a fixed request quota. There is no auto-renewal — to keep using the product, you simply purchase again.
Each plan includes a fixed number of requests for the license period. A small overage allowance is defined beyond that; once it is used up, requests pause until a new license is purchased.
Yes. Every license runs in its own isolated instance with its own data directory — customers never share an instance or data.
On-chain payments are never lost. Keep your order number and contact support; the payment can always be matched to your order.
Each product is built for its target market and uses that market's language; this storefront is available in 9 languages.

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