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THE FAST PROPERTY CHECK

Rental yield
& cashflow.

A quick read on a property listing. Enter the price, rent and costs, then see what could remain after the mortgage is paid.

INSTANT RESULTSFREE TO USENO EMAIL REQUIRED
EDIT THE EXAMPLE. SEE THE EFFECT.
Monthly rental cashflow...
Results ↓

MONTHLY RENTAL CASHFLOW

...

Rent growth, with costs still visible.

Current, one-, five- and ten-year snapshots

Gross yield is annual headline rent divided by agreed price. Net operating yield deducts voids, management, maintenance and fixed operating costs, then divides by price. It excludes buying costs and finance. Cashflow deducts the full mortgage payment. The future projection compounds rent and fixed costs monthly; repayment loans amortise. All figures are before tax.

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A USEFUL NEXT STEP

Ready to see the complete deal?

Add purchase tax, refurbishment, buying fees, a holding period, equity and refinancing in the full Buy-to-Let Deal Analyser. You can choose to carry these rental and mortgage inputs across.

Optional. Transfers only within this browser tab for 30 minutes, not to your contact profile.

Open the full Deal Analyser ↗

UNDERSTAND THE RESULT

The details,
explained.

What is gross rental yield?

Annual headline rent divided by the purchase price, multiplied by 100. A property bought for £180,000 and let for £1,250 per month has an 8.33% gross yield before costs, finance and tax.

Is net yield the same as cashflow?

No. Net operating yield deducts operating costs but excludes mortgage payments. Cashflow deducts the full mortgage payment as well. A high yield can still leave little cashflow when borrowing or running costs are high.

How are management, maintenance and voids handled?

Management applies to rent after the void allowance and should include any VAT. Maintenance and voids are percentages of headline rent. Annual bills are divided by 12. Do not enter the same cost in more than one place.

Can I use repayment borrowing or a cash purchase?

Yes. Choose the mortgage type in advanced settings. For a cash purchase, enter a mortgage amount of zero. Repayment mortgages reduce debt over time and their full payments are deducted from cashflow.

Does the calculator include stamp duty or refurbishment?

No. This is a fast rental check. The full Deal Analyser adds purchase tax, buying costs, refurbishment and the cash required to complete, alongside a personalised report.

TURN NUMBERS INTO KNOWLEDGE

Know your first
or next move.

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Educational illustration before tax. No valuation, mortgage offer or personalised financial advice. See our disclaimer.