Property Analysis

Enter your property details below. Gross yield, net yield, cash flow, and Ltd Co vs Personal comparison — calculated in real time.

Property Details

Purchase price and location

Purchase Price

The full asking or agreed price — not including SDLT or legal fees.

Location

Used for location context. Market data integration coming in Phase 4.

Mortgage

Financing structure and terms

Deposit — 25% · £43,750

5%100%

Loan amount: £131,250 · LTV: 75%

Mortgage Type

Interest OnlyRepayment

Interest Only: lower monthly payments, no capital repayment. Most common for BTL investors.

Interest Rate

Annual rate, e.g. 5.2%

Term

yrs

Years, default 25

Rental Income

Expected income and occupancy assumptions

Expected Monthly Rent

Market rent for the property in its current or planned condition.

Void Rate — 8%

0%30%

The property sits empty 8% of the year ≈ 29 days/year. Industry standard is 8%.

Running Costs

Annual fixed costs, then percentage-based costs

Service Charge

Annual £

Ground Rent

Annual £

Buildings Insurance

Annual £

Maintenance Reserve — 10%

0%25%

% of gross annual rent held back for repairs and maintenance. 10% is standard.

Management Fee — 10%

0%20%

Letting agent fee as % of gross rent. Typically 8–12% for full management.

Ownership & Tax

Determines which tax model is applied to your analysis

Section 24 modelled correctly

Ownership Structure

PersonalLimited Company

Corporation Tax Rate

Full mortgage interest deduction applies — the company deducts interest as a business expense before calculating tax. Small profits rate (19%) applies below £50k profit. Main rate (25%) applies above £250k.

Stamp Duty (SDLT)

Auto-calculated — adjust if your situation differs from the defaults

Calculated SDLT

£9,750

Effective rate

5.57%

Ltd Co purchases always incur the 5% additional dwelling surcharge under HMRC rules — no exceptions. First-time buyer relief is also unavailable to companies.

Long-term Assumptions

Drives the 10-year projection table below

Capital Appreciation — 3% p.a.

0%10%

Annual property value growth. UK long-run average is ~3–4%. Be conservative.

Rent Inflation — 3% p.a.

0%10%

Annual rent growth assumption. CPI-linked or market-driven — typically 2–4% in the UK.

Analysis Summary

Limited Company

Monthly cash flow (post-tax)

£227/mo

£2,720/year

Gross Yield

8.23%

Net Yield

5.82%

Return on Cash Invested

4.90%

on £55,500 total cash in

Cash Flow Breakdown

Effective annual rent£13,248

Voids (8% = £1,152 lost)£14,400

Less: Mortgage payment−£6,825

Less: Operating costs−£3,065

Less: Corporation tax−£638

Annual cash flow£2,720

Corporation Tax Detail

Effective rent received£13,248

Less: Operating costs−£3,065

Less: Mortgage interest−£6,825

Taxable profit£3,358

Corporation tax (19%)−£638

Full mortgage interest deduction applies inside the company. Dividend extraction tax is not included — add this in Phase 3.

Cash Required to Buy

Deposit (25%)£43,750

SDLT£9,750

Legal fees (estimate)£2,000

Total cash required£55,500

Interest Coverage Ratio

ICR194%

✓ 125% basic rate✓ 145% higher rate

ICR = effective rent ÷ mortgage interest. Lenders typically require 125% (basic rate borrowers) or 145% (higher rate / Ltd Co).

Personal vs Ltd Co

Same property, same mortgage — different ownership structure. Annual post-tax cash flow comparison.

Personal (40% taxpayer, Section 24)£650/yr

Limited Company (19% corp tax)£2,720/yr

Ltd Co advantage£2,070/yr

Not financial, tax, or investment advice. Simple Yield is an analytical tool. Figures are estimates based on your inputs and may not reflect actual returns. Tax rules change — verify calculations with a qualified accountant or tax adviser before making investment decisions.

Rate Stress Test

Base rate: 5.2% — interest only

Base rate5.2% rate

Monthly cash flow

£227/mo

Mortgage: £569/moICR: 194% ✓

+1%6.2% rate

Monthly cash flow

£138/mo-£89 vs base

Mortgage: £678/moICR: 163% ✓

+2%7.2% rate

Monthly cash flow

£49/mo-£177 vs base

Mortgage: £788/moICR: 140% ~

ICR thresholds: ✓ ≥145% (higher rate / Ltd Co lenders) · ~ ≥125% (basic rate lenders) · ✗ below lender minimum. All other inputs held constant.

10-Year Projection

Rent ↑ 3% p.a. · Capital growth 3% p.a. · Ltd Co ownership

Year 10 equity: £103,93510yr cash flow: £39,632Cash flow positive from Year 1

Year	Property Value	Mortgage Balance	Equity	Monthly Rent	Annual Cash Flow	Cumulative
Yr 1	£180,250	£131,250	£49,000	£1,200/mo	£2,720	£2,720
Yr 2	£185,658	£131,250	£54,408	£1,236/mo	£2,975	£5,695
Yr 3	£191,227	£131,250	£59,977	£1,273/mo	£3,237	£8,932
Yr 4	£196,964	£131,250	£65,714	£1,311/mo	£3,508	£12,440
Yr 5	£202,873	£131,250	£71,623	£1,351/mo	£3,786	£16,226
Yr 6	£208,959	£131,250	£77,709	£1,391/mo	£4,073	£20,298
Yr 7	£215,228	£131,250	£83,978	£1,433/mo	£4,368	£24,666
Yr 8	£221,685	£131,250	£90,435	£1,476/mo	£4,672	£29,338
Yr 9	£228,335	£131,250	£97,085	£1,520/mo	£4,985	£34,324
Yr 10	£235,185	£131,250	£103,935	£1,566/mo	£5,308	£39,632
Summary	£235,185	£131,250	£103,935	£1,566/mo	£5,308/yr	£39,632

Assumes constant mortgage rate, void rate, and cost structure. Fixed costs (insurance, service charge, ground rent) do not inflate in this model. Tax calculated annually against that year's inflated income. Interest-only: mortgage balance remains constant throughout.