Yield, cashflow, ROI

Buy-to-let calculator

The full BTL model. Enter price, mortgage terms, rent and costs — get gross/net yield, monthly cashflow, break-even rent and cash-on-cash return.

Purchase price

Deposit 25%

Mortgage rate 5.5%

Monthly rent

Monthly costs

Purchase fees (SDLT + legal + auction)

Interest-only mortgage

Standard for most BTL products

Monthly cashflow

£284

After mortgage + monthly costs

Gross yield

7.60%

Net yield

6.40%

Cash-on-cash ROI

6.89%

Break-even rent

£666

Cash to close

Deposit£37,500

Purchase fees (SDLT + legal + auction)£12,000

Monthly mortgage payment£516

Total cash in£49,500

The next step

The numbers work. Now check the pack.

For guidance only, not financial advice. Verify SDLT with HMRC before completion.