Property investment calculators
Any BTL that doesn't stack on both yield and cashflow is a hobby, not an investment. Model gross yield, net cashflow and cash-on-cash ROI before you offer.
Rental yield & BTL ROI calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More investment calculators
Property investment calculator
Full deal-analyser: purchase, refurb, refinance, rent, exit.
Buy-to-let ROI calculator
Cash-on-cash return on the money actually deployed.
Rental profit calculator
Rent − mortgage interest − expenses − Section 24 tax impact.
Cash flow calculator
Monthly surplus after mortgage, void allowance, management and maintenance.
Capital growth calculator
Compound property value at your assumed growth rate over 5/10/20 years.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
What's a good rental yield in the UK?
Gross 6%+ is generally strong; 5% is workable in higher-capital-growth areas; below 5% needs strong growth to justify the risk. Northern cities regularly deliver 7–9%.
Should I buy UK buy-to-let in personal name or a limited company?
Higher-rate taxpayers with 3+ properties usually benefit from a limited company (full mortgage interest deduction, 19–25% Corp Tax). A specialist broker will run both structures side by side.
How is rental yield calculated in the UK?
Gross yield = annual rent ÷ property price × 100. Net yield subtracts mortgage interest, insurance, letting fees, void allowance (usually 8%) and maintenance (usually 10%).
What are the highest-yielding UK cities in 2026?
Sunderland, Bradford, Middlesbrough and Liverpool regularly top 8% gross yield. Manchester, Sheffield and Nottingham deliver 6–7% with stronger capital growth.
How much tax do UK landlords pay on rental income?
Personal name: rental profit taxed at your marginal rate (20/40/45%), with a 20% tax credit on mortgage interest. Ltd company: 19–25% Corporation Tax on profit, then dividend/salary extraction is taxed personally.
Is buy-to-let still profitable in the UK in 2026?
Yes for cash-rich or Ltd Co landlords in high-yield areas; margins are thin for higher-rate personal-name landlords on 75% LTV in London/South East. A broker + accountant should sanity-check every deal.