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Property details
£60,000 deposit · £180,000 mortgage
25% deposit75% LTV
Assumptions
4.5%
5%
10%
1.0%
Legal / agent feesauto
£2,500
Add VAT at 20%
Typical BTL legal costs £1,500–£3,000 + survey.
3.0%
Yield & returns
Gross yield
5.50%
Net yield
3.67%
Net initial yield
3.47%
Cash-on-cash
0.97%
Total ROI
10.63%
4% threshold
6% target
Gross yield5.50%
Net yield3.67%
Net initial yield (NIY)iNet passing rent ÷ (price + SDLT + fees inc. VAT). The standard commercial investment metric.3.47%
£8,820/yr ÷ £254,500 all-in (price + SDLT £12,000 + fees £2,500)
Cash-on-cash return0.97%
Annual cash flow£720/yr
Total ROI (inc. growth)10.63%
Void & cost breakdown
Rent lost to void£660/yr
SDLT breakdown
5% on £240,000£12,000
Total SDLT due£12,000
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