UK Buy-to-Let Yield Calculator
Calculate gross yield, net yield, and pre-tax profit for UK buy-to-let properties. All figures in British Pounds (GBP).
Tax note: This calculator shows pre-tax figures only. UK tax treatment for buy-to-let properties (including mortgage interest relief restrictions) depends on individual circumstances, ownership structure, and may change. Consult a qualified UK tax adviser before making investment decisions.
Property & Income
Annual Expenses
Interest portion only (not capital repayment)
Percentage of effective annual rent
Leasehold flats only
Leasehold properties only
Results
Gross Yield
5.76%
Before expenses
Net Operating Yield
0.24%
After expenses
Monthly Pre-Tax Profit
£51
Annual Pre-Tax Profit
£612
Income & Expense Breakdown
| Annual Rental Income | £14,400 |
| Vacancy Loss (5%) | (£720) |
| Effective Annual Income | £13,680 |
| Mortgage Interest | (£9,600) |
| Insurance | (£600) |
| Maintenance | (£1,500) |
| Letting Agent Fee | (£1,368) |
| Total Expenses | (£13,068) |
| Pre-Tax Annual Profit | £612 |
Gross Yield vs Net Yield for UK Buy-to-Let
Gross rental yield compares annual rent with purchase price before costs. Net yield is usually more useful because it includes letting agent fees, insurance, maintenance, service charges, ground rent, mortgage interest, and other ownership costs.
This calculator focuses on pre-tax cash flow and yield. It does not estimate stamp duty, income tax, capital gains tax, incorporation decisions, or Section 24 effects, so treat the result as a deal-screening estimate and confirm the tax position with a qualified UK adviser.
Educational Disclaimer
All calculations are estimates for educational and planning purposes only. PropertyFlowTools.com does not provide financial, tax, legal, lending, or investment advice. Verify calculations and consult qualified professionals before making property or financing decisions.
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Last reviewed: 2026