ROI Calculator

    Full UK buy-to-let analysis - itemised costs, purchase-type options, 5-year forecast and interest rate stress test.

    Cash-on-Cash ROI

    -1.9%

    Monthly Cash Flow

    £-100

    Gross Yield

    6.6%

    Net yield 4.9%

    Deal Inputs

    Acquisition Costs

    Stamp duty auto-calculated (£11,500) using UK additional-property SDLT bands.

    Income & Running Costs

    Forecast Assumptions (estimates - edit freely)

    Cost & Cash Flow Breakdown

    Cash In

    Deposit£50,000
    Stamp duty£11,500
    Legal & survey£2,100
    Mortgage arrangement£1,000
    Total cash invested£64,600

    Annual Income

    Gross rent£13,200
    Void allowance-£508
    Effective rent£12,692

    Annual Costs

    Management / letting-£1,269
    Maintenance reserve-£1,269
    Insurance-£300
    Mortgage (repayment)-£11,054

    Result

    Annual cash flow£-1,200
    Monthly cash flow£-100

    Interest Rate Stress Test

    ScenarioMonthly MortgageMonthly Cash Flow
    Current (5.5%)£921£-100
    Rate +1% (6.5%)£1,013£-192
    Rate +2% (7.5%)£1,108£-287

    5-Year Forecast

    Estimates only - assumes 3% capital growth and 3% rent growth per year. Actual results will vary.

    YearProperty ValueAnnual Cash FlowEquityTotal Return
    Year 1£206,000£-895£58,875£7,980
    Year 2£212,180£-582£68,093£16,616
    Year 3£218,545£-259£77,667£25,931
    Year 4£225,102£74£87,613£35,952
    Year 5£231,855£417£97,948£46,703
    Disclaimer: All figures are estimates for guidance only, based on the assumptions you enter. They are not financial, tax or investment advice. Speak to a qualified mortgage broker, accountant and solicitor before making a purchase.

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