Rent minus the mortgage isn't your real return. Free rental yield calculator for the United Kingdom: gross and net yield and cash return on a buy-to-let, after buying costs, letting fees, upkeep and mortgage interest.
Costs on top of the price
£4,900
Moving home · England & N. Ireland ·
What do you want to work out?
What a home could earn if you let it out, after running costs and the mortgage.
Monthly cash flow after costs and mortgage
Gross yield
5.5%Net yield
4.4%Yearly return on your cash
-2.2%Rent a year
£13,800Running costs a year
£2,760Cash you put in
£67,400Cash you put in is the deposit plus buying costs (£4,900). Before income tax. We start with a rough rent, based on a typical 5.5% gross yield. Change it to the real rent for the area.
An illustration, not investment advice. Rents, costs, rates and tax vary; check with a letting agent and a tax adviser.
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Questions
Moving home in England & N. Ireland: stamp duty is about £2,500. All buying costs together come to about £4,900, or 2.0% of the price. Change the price or buyer type above to see your own figure.
In England and Northern Ireland, buyers who haven't lived in the UK for 183 days in the year before buying pay an extra 2% stamp duty. Scotland and Wales have no non-resident surcharge.
Anyone can buy, whatever their nationality.
A UK solicitor or licensed conveyancer. ID and proof of where your money comes from.
We last updated the figures on 15 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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