How to use the Buy to Let Calculator UK: full video tutorial
Gross and net yield, cashflow, stamp duty, Section 24 tax and a property deal score. Educational illustrations only.
▶ Play the tutorial (13:25)About this tutorial
Running a buy-to-let means juggling dozens of numbers at once. This full guide walks you through every box and every result in the Property Clues Buy to Let Calculator, using a real example: a £160,000 three-bed terrace let at £1,000 a month.
What you'll learn
- Cash needed to buy, including stamp duty (SDLT) with the 5% additional-property surcharge
- Cashflow before tax, gross yield, net yield and cash-on-cash return
- How Section 24 changes after-tax profit for basic and higher-rate landlords, and how a limited company compares
- Stress testing your cashflow and how lenders commonly test rent (125% and 145% rent cover)
- Using comparables and "what if" offers before you make one
Chapters
- £2,105 a year, or a £55 loss? (example deal)
- Finding your way around
- The deal: price, rent, deposit and mortgage
- Buying costs and stamp duty
- Rent and running costs
- Reading your results: cashflow, yields and deal score
- Tax, Section 24 and stress tests
- Property details and comparables
- Testing a lower offer
- Saving, printing and backups
- Recap
Figures in the video are a worked example. Property Clues tools are educational calculators and checklists, not financial, tax, mortgage or legal advice. Speak to a qualified adviser about your own situation. The voice in the video is AI-generated.