Buy-to-Let Calculator UK 2026
Calculate rental yield, cash flow, and ROI for any UK buy-to-let property. Make data-driven investment decisions in minutes.
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Example BTL Analysis
See how our calculator analyses a real buy-to-let opportunity
3-Bed Terraced House, Manchester
Purchase Price: £180,000
Investment Details
Calculated Results
What the BTL Calculator Analyses
Gross Rental Yield
Annual rent as percentage of property value
Net Rental Yield
Yield after all expenses are deducted
Monthly Cash Flow
Net income after mortgage and costs
Cash-on-Cash Return
Annual return on your cash invested
Total Return
Combined rental + capital appreciation
Break-even Analysis
Minimum rent needed to cover costs
BTL Calculator FAQs
What is a good rental yield for BTL in the UK?
A good gross rental yield for buy-to-let in the UK is typically 5-8%. In high-yield areas like Liverpool, Manchester, and Glasgow, yields of 7-10% are achievable. In London and the South East, yields are lower (3-5%) but capital growth potential is higher.
How do I calculate BTL rental yield?
Gross yield = (Annual Rent / Property Price) x 100. For a property worth 200,000 with 1,000/month rent: (12,000 / 200,000) x 100 = 6% gross yield. Net yield deducts costs like management fees, maintenance, and void periods.
What costs should I include in BTL calculations?
Include: mortgage payments, landlord insurance, maintenance (budget 10% of rent), letting agent fees (8-12% of rent), void periods (typically 1 month/year), ground rent/service charges, and tax (income tax on profits).
How much deposit do I need for a BTL mortgage?
Most BTL mortgages require 25% deposit minimum. With 25% deposit you will get better rates. Some lenders offer 20% deposit BTL mortgages but at higher interest rates. Our calculator shows how deposit size affects your returns.
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