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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.

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Calculator results are estimates only and are for general information only. They are not mortgage offers or decisions in principle.

How 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 (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 and we'll connect you with a mortgage adviser or broker partner who can discuss 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 in England and Northern Ireland usually attract the additional-property SDLT surcharge on top of normal rates. Plan this in separately.

Helpful next pages

Use the buy-to-let yield calculator Estimate rental yield and basic cash-flow assumptions. Read the buy-to-let guide Review landlord criteria and rental stress testing context. Estimate mortgage payments Model possible monthly payments from your own assumptions.

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Mortgages Finder focuses on matching your circumstances with a UK mortgage adviser partner. Calculator results and guides are starting points only; any product discussion depends on your full circumstances and lender criteria.

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