MORTGAGE Rental Yield Calculator
Analyse buy-to-let returns and cashflow projections
Deposit Required
£62,500
25% of price (75% LTV)
Monthly Mortgage
£859
Interest-only
Cash-on-Cash Return
Annual return on your cash invested
Meets minimum, some lenders may decline
ICR of 125-145% meets the minimum for many lenders, but some require higher. You may have limited options.
ICR = Interest Coverage Ratio (annual rental income divided by annual mortgage interest). Most UK buy-to-let lenders require a minimum ICR of 125%.
Annual Cashflow Breakdown
Don't forget stamp duty on your investment
Calculate Stamp DutyKey terms
- LTV
- Loan-to-Value -- the percentage of the property price covered by the mortgage. A 75% LTV means you need a 25% deposit.
- ICR
- Interest Coverage Ratio -- how many times your annual rental income covers the annual mortgage interest. Most buy-to-let lenders require at least 125%.
- BTL
- Buy-to-Let -- a mortgage specifically for properties you intend to rent out rather than live in.
Ready to take the next step?
Your £250,000 property could yield 5.8% gross — speak to a local expert.
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