Free buy-to-let tool
Rental yield calculator
Enter a purchase price and expected rent to see gross yield, net yield, monthly cash flow and cash-on-cash return — the same maths ACQR runs on every deal.
Insurance, maintenance, voids, letting fees, other.
Cash spent on top of the deposit.
Turn off for a cash purchase.
£11,400 annual rent ÷ £180,000 price.
Indicative figures for planning. Lender stress tests, tax and voids can change the outcome materially.
How the numbers work
What is a good rental yield?
Gross yields of 6–8% are common for Scottish single lets, though city-centre flats often sit lower and multi-lets higher. What matters more is net yield and cash flow after mortgage payments, voids and maintenance.
Gross yield vs net yield
Gross yield is annual rent divided by purchase price. Net yield deducts running costs — insurance, maintenance, void allowance, letting agent fees — before dividing by price. Net yield is the honest figure to compare deals on.
What is cash-on-cash return?
Annual cash flow after the mortgage, divided by the cash you actually put in (deposit plus buying costs and refurb). It shows how hard your money is working, which yield alone cannot.
Does this include LBTT?
Include it inside buying costs. Our free LBTT calculator works out Scottish LBTT and the 8% Additional Dwelling Supplement.
Want the full deal picture?
ACQR analyses a whole property listing — refurb, LBTT, lender stress test, local rent benchmark, maximum offer and a clear qualify / investigate / walk-away verdict.
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