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📊 Rental Yield Calculator

Gross yield, operating yield & net return for UK buy-to-let

Property Details

Purchase Price (£) Monthly Rent (£) Deposit (%)

25%25%40%

Annual Costs

Mortgage Rate (%) Service Charge & Ground Rent (£/yr) Insurance (£/yr) Maintenance Reserve (£/yr) Management Fee (%) Void Period (weeks/yr)

5.70%

Gross Yield

4.76%

Operating Yield (ex-mortgage)

3.26%

Net Yield (after ALL costs)

📈 Income & Costs

Annual Rent (gross)£11,400

Void Loss (2 weeks)£438

Effective Rent (after voids)£10,962

Management Fee (8%)£877

Service Charge & Ground Rent£500

Insurance£150

Maintenance Reserve£600

Total Operating Costs£2,127

Net Operating Income£8,835

Annual Mortgage (4.5%)£6,750

Net Income (after ALL costs)£2,085

Monthly Cash Flow£174

Cash Invested (deposit + purchase costs)£56,000

ROCE3.72%

📌 Illustrative tool. Always verify with a qualified financial adviser before making investment decisions.