Buy-to-let
Will this investment actually pay?
Model rental yield, monthly cashflow and return on your cash before you offer. Includes the 5% additional-property Stamp Duty surcharge and stress-testing at ±1% rates and ±10% rent.
Investment inputs
AssumptionsLoan £187,500 · LTV 75%
At a glance
Gross yield
6.00%
Net yield
0.67%
Monthly cashflow
£140
ROI on cash
2.1%
Monthly mortgage£820
Running costs£241
Break-even rent£1,062
Stamp Duty (BTL surcharge)£15,000
Cash invested£80,000
Sensitivity
Rent −10%
£42/mo · 0.20%
Rent +10%
£239/mo · 1.15%
Rate +1%
£-16/mo · -0.08%
Rate −1%
£297/mo · 1.42%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.