UK Buy-to-Let Mortgage Calculator
Estimate the interest-only mortgage payment, monthly cash flow, and gross rental yield on a UK buy-to-let property.
Monthly Cash Flow
£343.75
- Loan amount
- £165,000.00
- Deposit
- £55,000.00
- Interest-only payment
- £756.25
- Gross rental yield
- 6%
Assumptions
- Buy-to-let mortgages are modeled as interest-only, the UK convention
- Does not include letting agent fees, maintenance, void periods, or landlord tax
How it's calculated
Interest-only payment = loan amount × monthly rate. Cash flow = rental income − interest payment. Gross yield = (annual rent / property price) × 100.
Worked example
A £220,000 property with a 25% deposit and £1,100 monthly rent shows cash flow and yield live above.
Frequently asked questions
Does this include letting agent fees or landlord tax?
No — this shows gross cash flow before letting agent fees, maintenance, void periods, and tax on rental income, all of which vary by landlord.