Advanced Buy-to-Let Mortgage Calculator 2025

Gross Rental Yield is a quick measure of a property's income-generating potential. It's calculated before expenses. The formula is:
(Annual Rental Income / Property Value) × 100.
A higher yield generally indicates a better return from rent alone.

Net cash flow is your profit or loss each month after all expenses are paid. The calculation is:
Monthly Rent - (Mortgage Payment + Management Fees + Maintenance + Insurance + Other Costs).
A positive cash flow means the property is generating more income than it costs to run.

Specifically, this calculator uses the Cash-on-Cash Return, a popular metric in real estate. It measures the annual pre-tax cash flow relative to the total cash invested (your deposit). The formula is:
(Annual Net Cash Flow / Total Cash Invested) × 100.
This tells you the return you're getting specifically on the money you put down.