Your Results
Monthly Mortgage Payment
£1151.41
Gross Rental Yield
5.76%
Net Rental Yield
0.23%
Monthly Profit / Loss
£48.59
Understanding Your Buy-to-Let Results
This calculator provides a snapshot of a potential buy-to-let investment based on the figures you provide. Here is a breakdown of what the key metrics mean for you as a landlord:
At Calculator Site, we built this tool to help you see, in concrete terms, how your investment might perform. The primary goal is to ensure the rental income covers your mortgage and other costs, leading to a profitable venture.
Tip: Gross vs. Net Yield
Gross Yield is the annual rent as a percentage of the property price. It is a quick comparison metric. Net Yield is more realistic, subtracting mortgage costs to show a clearer picture of profitability. For a true net yield, you would also subtract expenses like insurance, maintenance, and agent fees. This calculator focuses on the impact of the mortgage.
Monthly Profitability and Costs
The Monthly Profit / Loss figure shows the immediate cash flow of your investment. A positive figure means the rent covers the mortgage payment, leaving a surplus. A negative figure indicates a shortfall you will need to cover. Remember, this calculation does not include tax liabilities. You can find out more with our Rental Income Tax Calculator.
5-8%
Typical UK Gross Yield
25%
Minimum BTL Deposit
125%
Rental Cover Required
When your initial fixed-rate period ends, you will move onto the lender's Standard Variable Rate (SVR), which is usually higher. It is crucial to plan for remortgaging. Use our Remortgage Calculator to see how this could affect your payments.
How to use this Calculator Site tool
Enter the property's price, your deposit, the mortgage interest rate and term, and the expected monthly rent. The calculator will instantly show your key investment metrics, including monthly payments, rental yield, and potential profit. Adjust the numbers to see how different scenarios affect your return.