Rental yield calculator

See what a buy-to-let really returns once buying costs, running costs and the mortgage are counted. Results update as you type, and each one comes with a short explanation.

Property

Purchase price

Monthly rent

Refurb cost

Any work needed before letting. Leave at 0 if none.

Mortgage

Deposit

£50,000 deposit, £150,000 loan

Mortgage rate

Mortgage type

Interest-onlyRepayment

Monthly payment: £687.50

Buying costs

Where is the property?

Additional property

On if you already own a home. Most investors pay the higher rates.

Stamp duty (auto)

See the band-by-band breakdown

£11,500

Legal fees

Survey

Running costs

Management

Of rent collected

Maintenance

Of annual rent

Voids

Time empty per year

Insurance

Service charge

Ground rent

Gross: 7.20%
Net: 5.49%
Cash flow: £289/mo

All results

Gross yield

7.20%

A year's rent as a share of the purchase price.

Net yield

5.49%

What the rent earns after running costs and empty months.

Monthly cash flow

£289

£3,472 a year left after every cost and the mortgage.

Cash-on-cash return

5.5%

Annual cash flow as a share of the money you put in.

Total cash required

£63,500

Deposit, buying costs and refurb: the money you need up front.

Deposit: £50,000
Stamp duty: £11,500
Legal and survey: £2,000
Refurb: £0

Interest cover ratio

175%

How comfortably the rent covers the mortgage interest.

At your rate (5.5%)

175%

125% pass
145% pass

Stressed (+2 points) (7.5%)

128%

125% pass
145% fail

Check purchase tax in detail

Early access

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