Buy To Let Deal Calculator
Plug in your numbers and share it with your partners.
Earnings (Annual)
-£76.86
ROI (Net)
-0.24%
Does this deal stack?
No this deal might not stack
Startup Costs
| Price | £100,000 |
| Loan | £75,000 |
| Deposit | £25,000 |
| Stamp Duty | £3,000 |
| Startup costs | £3,500 |
| Total Cash Invested | £31,500 |
Balance Sheet
| Income | |
|---|---|
| Rental Income | £600 |
| Expenses | |
| Bills | £100 |
| Mortgage | £506.41 |
| Total | £606.41 |
| Totals | |
| Net income per month | -£6.41 |
| Net income per year | -£76.86 |
| Yield & ROI | |
| Gross return on investment (ROI) | 22.86% |
| Net Return on Investment | -0.24% |
| Gross Yield | 7.2% |
| Net Yield | -0.08% |
Lender benchmark
| Interest rate | 9.5% |
| Rental Cover | 145% |
| Required Income | £860.94 |
| Your income | £600 |
| Balance | -£260.94 |
Startup Costs
| Price | £90,000 |
| Loan | £67,500 |
| Deposit | £22,500 |
| Stamp Duty | £2,700 |
| Startup costs | £3,500 |
| Total Cash Invested | £28,700 |
Balance Sheet
| Income | |
|---|---|
| Rental Income | £600 |
| Expenses | |
| Bills | £100 |
| Mortgage | £455.76 |
| Total | £555.76 |
| Totals | |
| Net income per month | £44.24 |
| Net income per year | £530.82 |
| Yield & ROI | |
| Gross return on investment (ROI) | 25.09% |
| Net Return on Investment | 1.85% |
| Gross Yield | 8% |
| Net Yield | 0.59% |
Lender benchmark
| Interest rate | 9.5% |
| Rental Cover | 145% |
| Required Income | £774.84 |
| Your income | £600 |
| Balance | -£174.84 |
Does this deal stack?
No this deal might not stack
Startup Costs
| Price | £80,000 |
| Loan | £60,000 |
| Deposit | £20,000 |
| Stamp Duty | £2,400 |
| Startup costs | £3,500 |
| Total Cash Invested | £25,900 |
Balance Sheet
| Income | |
|---|---|
| Rental Income | £600 |
| Expenses | |
| Bills | £100 |
| Mortgage | £405.12 |
| Total | £505.12 |
| Totals | |
| Net income per month | £94.88 |
| Net income per year | £1,138.51 |
| Yield & ROI | |
| Gross return on investment (ROI) | 27.8% |
| Net Return on Investment | 4.4% |
| Gross Yield | 9% |
| Net Yield | 1.42% |
Lender benchmark
| Interest rate | 9.5% |
| Rental Cover | 145% |
| Required Income | £688.75 |
| Your income | £600 |
| Balance | -£88.75 |
Does this deal stack?
No this deal might not stack
Startup Costs
| Price | £76,923.08 |
| Loan | £57,692.31 |
| Deposit | £19,230.77 |
| Stamp Duty | £2,307.69 |
| Startup costs | £3,500 |
| Total Cash Invested | £25,038.46 |
Balance Sheet
| Income | |
|---|---|
| Rental Income | £600 |
| Expenses | |
| Bills | £100 |
| Mortgage | £389.54 |
| Total | £489.54 |
| Totals | |
| Net income per month | £110.46 |
| Net income per year | £1,325.49 |
| Yield & ROI | |
| Gross return on investment (ROI) | 28.76% |
| Net Return on Investment | 5.29% |
| Gross Yield | 9.36% |
| Net Yield | 1.72% |
Lender benchmark
| Interest rate | 9.5% |
| Rental Cover | 145% |
| Required Income | £662.26 |
| Your income | £600 |
| Balance | -£62.26 |
Does this deal stack?
No this deal might not stack
Stress Testing the Cashflow
| Interest rate | Gross income per month | Mortgage payment per month | Expenses per month | Net income per month | Net income per year | Net ROI | Net Yield |
|---|---|---|---|---|---|---|---|
| 1% | £600 | £282.65 | £100 | £217.35 | £2,608.15 | 8.28% | 2.61% |
| 2% | £600 | £317.89 | £100 | £182.11 | £2,185.31 | 6.94% | 2.19% |
| 3% | £600 | £355.66 | £100 | £144.34 | £1,732.1 | 5.5% | 1.73% |
| 4% | £600 | £395.88 | £100 | £104.12 | £1,249.47 | 3.97% | 1.25% |
| 5% | £600 | £438.44 | £100 | £61.56 | £738.69 | 2.35% | 0.74% |
| 6% | £600 | £483.23 | £100 | £16.77 | £201.29 | 0.64% | 0.2% |
| 7% | £600 | £530.08 | £100 | -£30.08 | -£361.01 | -1.15% | -0.36% |
| 8% | £600 | £578.86 | £100 | -£78.86 | -£946.35 | -3% | -0.95% |
| 9% | £600 | £629.4 | £100 | -£129.4 | -£1,552.77 | -4.93% | -1.55% |
| 10% | £600 | £681.53 | £100 | -£181.53 | -£2,178.31 | -6.92% | -2.18% |
| 11% | £600 | £735.08 | £100 | -£235.08 | -£2,821.02 | -8.96% | -2.82% |
| 12% | £600 | £789.92 | £100 | -£289.92 | -£3,479.02 | -11.04% | -3.48% |
| 13% | £600 | £845.88 | £100 | -£345.88 | -£4,150.52 | -13.18% | -4.15% |
| 14% | £600 | £902.82 | £100 | -£402.82 | -£4,833.85 | -15.35% | -4.83% |
| 15% | £600 | £960.62 | £100 | -£460.62 | -£5,527.48 | -17.55% | -5.53% |