Purchase Price
£250,000
The total price you are paying for the property.
Deposit
£62,500
25%
Deposit = Purchase Price × Deposit %. This is the cash you put down upfront. The remainder is covered by the mortgage.
Stamp Duty
£0
0% effective
Stamp Duty Land Tax (SDLT) calculated using HMRC bands..
Total Cash Required
£0
Deposit + SDLT + Refurb
Total Cash = Deposit + Stamp Duty + Refurbishment Cost. This is the total upfront capital you need to complete the purchase and any planned works.
Monthly Payment
£0
Mortgage Payment
Monthly mortgage payment.
Monthly Cash Flow
£0
After all costs
Monthly Cash Flow = Monthly Rent × (1 − Void %) − Mortgage Payment − Management Fee − (Insurance + Maintenance + Ground Rent + Service Charge) ÷ 12. A positive number means profit each month.
Gross Yield
0%
Rent ÷ Price
Gross Yield = (Annual Rent ÷ Purchase Price) × 100.
Net Yield
0%
After costs, before mortgage
Net Yield = ((Annual Rent − Annual Costs) ÷ Purchase Price) × 100. Costs include management fees, insurance, maintenance, ground rent, service charge, and voids — but not the mortgage payment.
Cash-on-Cash
0%
Cash flow ÷ Capital
Cash-on-Cash Return = (Annual Cash Flow ÷ Total Cash Invested) × 100. Measures how much cash profit you earn relative to the cash you put in.
ROCE
0%
Return on Capital Employed
ROCE = ((Annual Cash Flow + Annual Capital Growth) ÷ Total Cash Invested) × 100. Combines rental profit and property appreciation to give the total return on every pound you invested.
Annual Profit
£0
Net of all costs
Annual Profit = Monthly Cash Flow × 12. This is your total annual rental profit after deducting all running costs and mortgage payments.
Rent-to-Mortgage
0%
Rent To Mortgage
Rent-to-Mortgage = (Monthly Rent ÷ Monthly Mortgage Payment) × 100.
