Buy-to-Let Yield Calculator
Quickly model gross yield, net yield and monthly cash flow for a UK rental property.
Buy-to-Let Yield Calculator
Estimate gross and net rental yield for a UK BTL property.
Gross yield
—%
Net yield
—%
Est. monthly cash flow
£—
Most BTL mortgages are interest-only. Estimate excludes stamp duty, void periods, insurance, tax, and arrangement fees.
Check Buy-to-Let OptionsHow yields work
Gross yield = annual rent ÷ property value. Net yield deducts management fees, maintenance, and mortgage interest before dividing by property value.
What the calculator excludes
- Stamp Duty surcharge (3% additional property surcharge in England/NI).
- Void periods (typically 1 month/year is a sensible assumption).
- Landlord insurance.
- Tax (corporation tax for Ltd, or personal tax for individual landlords).
- Renovation or refurb costs.
Talk to a BTL broker
BTL mortgage criteria differ sharply from residential. Request a callback for a broker who specialises in landlord lending.
Frequently asked questions
What is a good rental yield in the UK? +
It depends on the area. 5–8% gross yield is broadly considered healthy; many landlords target 6%+. High-yield areas tend to be in the North of England.
Why is net yield more useful than gross? +
Gross yield ignores costs. Net yield includes management, maintenance and mortgage interest, giving a more realistic picture of cash flow.
Do BTL lenders look at rental yield or income? +
Most BTL lenders stress-test rental cover (typically 125–145% of monthly mortgage interest at a stressed rate) rather than your personal income. Some still require a minimum income.
Should I buy via a limited company? +
Many landlords use SPVs for tax efficiency, especially higher-rate taxpayers. Speak to a tax adviser and a BTL-specialist broker.
Does the calculator include stamp duty surcharge? +
No. BTL purchases attract a 3% SDLT surcharge in England and Northern Ireland on top of normal rates. Plan this in separately.