Most landlords have these numbers scattered across a spreadsheet, a mortgage statement, and memory. This tool pulls them into one view, gross yield, net yield, monthly and annual cash flow, an operating cost ratio, void sensitivity, and your approximate equity position, all calculated from figures you enter yourself, with nothing sent anywhere.
Explore any of these figures further
Methodology and assumptions
Gross yield is annual rent (monthly rent × 12) divided by current property value. Net yield subtracts all annual operating costs entered, letting agent fees, insurance, service charge, ground rent, maintenance, licensing, and any other recurring costs, then expresses the result as a percentage of property value; it deliberately excludes mortgage costs, since yield is a property-level measure and mortgage cost depends on your specific financing. Cash flow starts from net operating income (rent minus operating costs minus the value of your entered void weeks) and subtracts annual mortgage payments. The operating cost ratio is total operating costs as a percentage of gross rent. Loan-to-value is mortgage balance divided by property value. All figures are estimates based on what you enter, are not tax-adjusted, and don't account for future rent or cost changes.
This tool doesn't recommend buying, selling, refinancing, or holding a property, and isn't mortgage, investment, or tax advice. It simply turns the figures you enter into standard property metrics so you can see your own numbers clearly. Consider discussing your specific circumstances with an appropriately qualified professional, a mortgage broker, accountant, or financial adviser, before making a decision based on them.
Frequently asked questions
Is the Landlord Financial Health Check regulated financial advice?
No. It's an educational tool that turns the figures you enter into a set of standard property metrics, gross and net yield, cash flow, and resilience indicators. It doesn't recommend buying, selling, or holding a property, and doesn't constitute mortgage, investment, or tax advice.
How is net yield calculated in this tool?
Net yield takes annual rent, subtracts annual operating costs (letting agent fees, insurance, service charge, ground rent, maintenance, licensing, and any other recurring costs), and expresses the result as a percentage of property value. It excludes mortgage costs, which are shown separately as cash flow, since yield and cash flow answer different questions.
Does this tool replace the other Poqet property calculators?
No. It's designed as an overview layer that sits above them. For a deeper look at any single figure, maintenance budgeting, home equity growth, HMO versus standard buy-to-let, or a rent-versus-sell decision, the relevant specialist Poqet calculator remains the better tool, and this page links to each one.
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About the author
✓ Editorially reviewed — all Poqet guides are checked for factual accuracy before publication and updated when UK rates or legislation change. Editorial Policy