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Landlords Calculator

  • Don't enter a £ sign please
  • Don't enter a £ sign please
  • Don't enter a £ sign please
  • please do not enter a percentage sign
  • Default is 35%, change this by using the dropdowns and selecting another figure. Please don't enter a % sign. Note that you need to allow for insurance, costs of advertising/letting, management, Gas checks, maintenance, ground rents, service charges and void periods (lost rent due to arrears or when the property isn't let). The average costs are between 30 and 40% of rental income.
  • LTV stands for "Loan to Value". It is your loan expressed as a percentage of the value of your property. This is also known as gearing. It's important to know this when you are looking at which mortgage products are best suited to your requirements.
  • Gross annual rent expressed as a percentage of property value.
  • Equity is the money you would get back if you were to sell your property after repaying your mortgage. You would probably have to pay an estate agent or an auctioneer and also a solicitor too so not all of this money would end up in your pocket if you were to sell.
  • This figure is a monthly average based on the percentage of rental income you have budgeted to allow for insurance, costs of advertising/letting, management, Gas checks, maintenance, ground rents, service charges and void periods (lost rent due to arrears or when the property isn't let).
  • After deducting all mortgage interest payments and costs your current return on equity or averaged monthly cashflow in £ is
  • This is your net annual cashflow expressed as a percentage of the equity you have in your property. This calculation is also referred to as; return on cash, cash on cash return, return on capital employed/invested, ROC and ROCI. NOTE - if you have zero or negative equity the this figure is not relevant.
  • Based on the figures you have entered the break even interest rate is ....



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