For buyers and investors

Buy-to-let calculator

Estimate rental yield, running costs, interest-only mortgage costs and monthly cash flow before you make an offer.

Your figures

Property price

Monthly rent

Deposit25% is a common buy-to-let starting assumption, but use your own figure.

Interest rateMortgage cost is modelled as interest-only.

Annual running-cost assumptions

Management feePercentage of annual rent.

Maintenance allowance

Void allowanceAllowance for periods without rent.

Service charge

Ground rent

Landlord insurance

Other annual costs

Other upfront costsFor example broker, valuation or furnishing costs. Legal fees are not included automatically.

Investment snapshot

Gross rental yield

6.0%

Annual rent ÷ purchase price

Net rental yield

4.7%

After the running costs entered, before mortgage interest and tax

Monthly cash flow

£308

After entered running costs and interest-only mortgage interest

Return on cash

2.8%

Annual cash flow ÷ deposit, higher-rate SDLT and other upfront costs entered

Annual rent: £24,000
Annual running costs: £5,300
Interest-only mortgage interest: £15,000 / year
Mortgage: £300,000 (75.0% LTV)
Interest cover: 160.0%
Illustrative higher-rate SDLT: £30,000
Cash required before legal / finance fees: £130,000

What this calculator does not include

Income tax, corporation tax, capital gains tax, mortgage arrangement fees, legal fees, refurbishment costs and lender-specific affordability tests are not calculated automatically.

The Stamp Duty figure uses the higher residential rates for an additional property in England and is illustrative only. Tax treatment depends on your circumstances.

This calculator is for illustration only and is not financial, mortgage, investment or tax advice.

Seen a property that might work?

Search Hermens properties for sale, then use the asking price and expected rent to compare the numbers.

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