ExternalOS

The problem: most landlords calculate yield wrong

Most online yield calculators show gross yield only, and even that calculation often misses void periods, agent fees, and maintenance. Section 24 means higher-rate taxpayer landlords can no longer deduct mortgage interest from rental income. The actual net yield after all costs and the correct tax treatment is often half what the headline number suggests.

  • Gross yield is meaningless, net yield after costs is what determines the investment
  • Section 24 means the effective tax rate is much higher than most landlords realise
  • The 5% SDLT additional property surcharge (October 2024) significantly changes acquisition costs
  • Most landlords don't include void periods, agency fees, and maintenance in their modelling

Investment analysis

  • Gross and net rental yield with all costs itemised
  • SDLT calculation including the 5% additional property surcharge (October 2024)
  • Monthly cash flow, mortgage, agent fees, insurance, maintenance, voids
  • Section 24 mortgage interest tax impact for higher-rate taxpayers
  • ROI projections at 5, 10, and 25 years with configurable capital growth
  • HMO multi-let analysis with per-room yields and licensing cost modelling
  • Incorporation comparison, personal ownership vs limited company

Property listing copy

  • Portal-ready listing copy for Rightmove, Zoopla, and OnTheMarket
  • Keyword-rich headline and opening paragraph
  • Room-by-room descriptions and key features bullet list
  • Five tone options: premium, family-friendly, investment, first-time buyer, professional let
  • EPC rating, tenure details, and local area highlights

Property investment calculations are estimates based on 2025/26 SDLT rates and tax rules. This is not financial advice. Consult a qualified financial adviser before making investment decisions.