BTL Rental Calculator

Calculate your Buy to Let investment returns

How to assess a BTL investment?

Key metrics are rental yield (gross and net) and rental coverage — most BTL lenders require a minimum of 125–145% of the monthly mortgage payment covered by rent. This calculator shows indicative cash flows.

Investment details

£250,000
£62,500

Min. 20–25% for BTL mortgage

£1,200
5.5%
25 years
£150

Management, insurance, maintenance

BTL Results

Monthly cash flow
-£101.41
negative cash flow
BTL mortgage payment£1,151.41
LTV75.0%
Gross rental yield5.8%
Net rental yield5.0%
Rental coverage104.2%
Annual cash flow-£1,217

Warning: Rental coverage below 125% — most BTL lenders will decline. Increase your deposit or find a higher-yielding property.

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