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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.

Rate comparison with context

Compare Mortgage Rates is built around comparing mortgage costs beyond the headline rate. Product fees, term, loan-to-value and lender criteria can all change what is appropriate for a borrower.

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