Buy-to-let yield calculator UK
Estimate whether a buy-to-let property actually works after costs.
Use YieldLens UK to check rental yield, monthly cash flow, ownership costs, risk flags, and downside scenarios before committing serious time to a UK buy-to-let property.
Indicative decision-support only. Not a valuation or financial advice.
Why yield alone is not enough
A decent rental yield can still hide a weak deal.
Gross yield is useful, but it does not tell you whether the property has enough cash flow after mortgage costs, service charge, ground rent, repairs, and void periods.
Yield is the headline
Gross rental yield compares annual rent with purchase price. It is useful for screening, but it is not the full investment picture.
Cash flow is the reality check
A property can show a good yield but still leave almost no monthly surplus once financing and running costs are included.
Downside risk matters
If the return disappears after one void month or a service charge rise, the deal is fragile rather than strong.
What the check includes
A simple buy-to-let screen built around the numbers that matter.
The aim is to help you decide whether a property deserves more investigation, not to drown you in a spreadsheet.
Gross rental yield
Screens annual rent against the purchase price before costs get in the way.
Monthly cash flow
Shows whether rent still leaves room after mortgage and regular ownership costs.
Ownership costs
Surfaces the costs that quietly erode a headline yield.
Downside scenario
Checks whether the deal survives lower rent, higher costs, and void periods.
Risk flags
Weak points the calculator can flag early.
The free check is designed to show where a property could disappoint before you waste time on a poor deal.
Before buying
Questions to answer before treating the yield as attractive.
A buy-to-let property should survive basic pressure testing before it gets serious attention.
- What monthly rent is realistically achievable?
- What is the full mortgage cost under current rates?
- What are the annual service charge and ground rent?
- Are there expected repairs, major works, or management fees?
- How long could the property sit empty between tenants?
- Does the deal still work if rent is 5% to 10% lower?
- Does the deal still work if costs are 10% to 20% higher?
- Are lease length, restrictions, EPC, and local demand understood?
Example pressure test
The deal can change quickly when assumptions move.
YieldLens UK does not just show a headline yield. The check also highlights whether monthly cash flow is thin and whether a downside scenario could push the property into negative territory.
Gross yield
5.3%
Base cash flow
£29/mo
Stress case
Negative
Example only. Actual results depend on the purchase price, rent, mortgage cost, service charge, and other inputs entered by the user.
Start with a quick screen
Run the free buy-to-let check before you commit.
Enter the price, rent, mortgage cost, and known ownership costs. YieldLens UK will return the headline yield, cash flow estimate, risk flags, and downside pressure test.
Run free buy-to-let check