Free private calculator

Rental yield after voids, costs and interest

Headline gross yield hides the bills. Test the property with realistic occupancy, management, maintenance and finance assumptions.

Your property assumptions

Purchase price / current value£Monthly rent£Expected occupancy%Management fee% of collected rentMaintenance allowance£ / yearInsurance, service charge & other fixed costs£ / yearMortgage interest (not capital repayment)£ / year

Annual result before tax

£3,936

estimated cash flow after the interest and costs entered

Gross yield: 6.00%
Net operating yield: 4.15%
Rent expected to be collected: £12,540
Operating costs before interest: £3,404
Break-even occupancy: 65.2%

This is a planning model, not tax, mortgage, valuation or investment advice. It excludes purchase costs, capital repayments, tax, capital growth and one-off works.

What the assumptions expose

Stress-test the weak point next.

At these inputs, voids remove £660 a year. Each occupancy percentage point is worth about £132 in collected rent, and estimated monthly cash flow is £328.

Build the budgetSeparate voids, insurance, compliance and repairsOpen the expense planner →Test rent interruptionCompare a cash buffer with policy conditionsRead the rent-guarantee guide →Check fixed costsUnderstand cover before comparing quotesReview landlord insurance →

Gross yield

Annual headline rent divided by the property value. It is useful for a quick comparison but ignores empty periods and every operating cost.

Net operating yield

Expected collected rent minus management, maintenance and fixed running costs, divided by the property value. Finance and tax are kept separate.

Stress-test before relying on the result

Lower the occupancy, increase maintenance and use the actual mortgage-interest figure. Keep a separate allowance for purchase costs and major works.

Price one empty-property period Build the annual expense budget Check landlord insurance Check HMO licensing Check the EPC route