Property Investment ROI Calculator
Considering a buy-to-let investment in the UK? Use this calculator to work out your potential rental yield, monthly cash flow, and return on investment. Compare different property prices, deposit levels, and financing scenarios to find the right opportunity for your portfolio.
GPG properties — click to load
Guaranteed rental options do not have running costs or risks of void periods.
Rates apply to England. Scotland uses LBTT, Wales uses LTT.
Based on JLL forecasts. Moderate assumes 4% annual price and rent growth.
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This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual returns may vary. Consult a qualified financial advisor before making investment decisions. Global Phoenix Group does not guarantee any returns suggested by this calculator.
Things To Know About This Calculator
Yield calculations are based on the property price and rental income you provide. Gross yield shows your return before costs; net yield deducts running expenses to show what you actually keep.
Stamp Duty Land Tax (SDLT) is calculated at additional property rates, which include a 3% surcharge. If you select non-UK resident, a further 2% surcharge is applied. Rates are based on current HMRC thresholds and may change.
Results Assumptions
Maintenance costs default to 10% of rental income as a general allowance.
The interest rate you enter remains the same for the calculation. In reality, rates will vary over your mortgage term.
Void periods are estimated at 4 weeks per year unless you specify otherwise.
Management fees default to 10% of rental income if using a letting agent.
Mortgage payments are calculated on an interest-only basis, which is standard for buy-to-let investments.
The Calculator Also Applies
Loan-to-value (LTV)
Assumptions based on your deposit. Most buy-to-let mortgages require a minimum 25% deposit, with better rates typically available at 40% LTV.
Service charge estimates
For apartment investments. Actual charges vary by development and should be confirmed before purchase.
Ground Rent
Where applicable. Note that ground rent on new leases is now capped at a peppercorn (zero) under the Leasehold Reform Act 2022.
Global Phoenix Group Properties
When you select a Global Phoenix Group development from the dropdown, the calculator pre-populates with current pricing, assured rental returns, and verified running costs for that property. This gives you an accurate projection based on real figures rather than estimates.
This calculator is intended to provide general information only and is based on the details you provide. It does not take into account your personal financial situation, tax position, or investment goals. This is not financial advice, nor is it a quote or offer from Global Phoenix Group. Property values can fall as well as rise, and rental income is not guaranteed. Always seek independent professional advice before making investment decisions.