All calculators
Tax year 2026/27
NotesBuy-to-Let Yield
Gross and net yield, Section 24 tax, debt service, SDLT, and rate-stress cashflow.
£285,000
25%
£
£1,450
5.25%
25 years
10.0%
8.0%
2 weeks
Gross yield
6.1%
Net yield (NOI)
4.8%
Cash-on-cash (ROCE)
-0.8%
Monthly net
-£62
Capital required
£90,750
Deposit + SDLT + legal
SDLT
£16,000
Annual tax
£3,243
S24 credit £2,244
Mortgage
£213,750
Rate stress
| Rate | Interest / mo | Tax / mo | Net / mo | ROCE |
|---|---|---|---|---|
| 4.25% | £757 | £306 | £80 | 1.1% |
| 5.25% · now | £935 | £270 | -£62 | -0.8% |
| 6.25% | £1,113 | £235 | -£205 | -2.7% |
| 7.25% | £1,291 | £229 | -£377 | -5.0% |
| 8.25% | £1,470 | £229 | -£555 | -7.3% |