UK Buy-to-Let Yield Calculator
Run the numbers on a rental property properly: gross yield is the headline, net yield is the truth. Voids, agent fees, maintenance, insurance, and service charges all eat returns. We bake them in, then stress-test cashflow at rate + 2%.
Buy-to-Let yield
Gross & net yield + monthly cashflow for a UK rental property. Assumes an interest-only BTL mortgage (the UK norm). Stress-tests cashflow at rate + 2%.
Excludes Section 24 mortgage interest tax treatment, Stamp Duty second-home surcharge, and personal income tax on rental profits. Speak to a tax adviser before investing — these numbers are pre-tax cashflow only.
Is this BTL actually worth it after tax?
Section 24 treatment of mortgage interest, additional-property stamp duty, and personal tax band all shape the real return. Ask the AI agent to factor your specific tax situation in.
Gross vs net yield
Gross yield = annual rent ÷ purchase price. Useful for quick comparisons across properties, useless for predicting actual returns.
Net yield = (annual rent after voids − running costs excluding mortgage) ÷ purchase price. This is the real return on the asset, before you layer in mortgage and tax.
Monthly cashflow = rent after voids − mortgage − all running costs. This is what hits your bank account. Negative cashflow means you're topping up; positive means the property pays you.
Important UK tax caveat: we don't model Section 24 mortgage interest tax treatment, Stamp Duty second-home surcharge, or personal income tax on rental profits. After tax, higher-rate landlords often see net returns several percentage points lower than these figures suggest. Speak to a tax adviser before investing.