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Analyse a property

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Rightmove · Zoopla

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Property Details

£
£
£/month

Purchase Costs

One-off
£
£
£12,900

Mortgage fee

£
£
Deposit£55,000
Total purchase costs£15,899
Total cash required£70,899

Assumptions

Recalculates instantly
Mortgage type
Deposit% of purchase price
25

£55,000

Interest rate% per annum
4.5
Loan termyears
25
Cost allowance% of gross rent
20
Verdict
Marginal

Numbers are tight.

Gross Yield
5.2%
Net yield
4.2%3–6% net marginal
ICR stress test
1.26≥ 1.25 passes
Monthly cashflow
+£145positive

Gross Yield

5.2%

annual rent ÷ price

Net Yield

4.2%

after running costs

Monthly Cashflow

+£145

rent − mortgage − costs

Annual Cashflow

+£1,735

monthly × 12

Loan Amount

£165,000

@ 75% LTV

Break-even Rent

£805

interest + costs floor

Repayment Payment

£917

full P+I monthly

Void Coverage

How many months per year of empty property your annual cashflow surplus can absorb before you need to draw on savings.

1.8 mo/yr

vacancy months absorbed

ICR Stress Test

Lenders stress-test at 5.5% interest-only. Your rent must cover at least 125% of that payment to qualify for a BTL mortgage.
@ 5.5% interest-only
Ratio
1.26
Passes
01.25 min2.0+
Actual rent£950/mo
Min rent to pass£945/mo

Stamp Duty (SDLT)

Higher rate · Apr 2025
Up to £125,000 @ 5%£6,250
£125,001–£250,000 @ 7%£6,650
Total SDLT£12,900

5.86% of purchase price · payable on completion.