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Landlords Calculator – Now even easier to use!

Property 118 - Published on 25/07/2013
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Our Landlords Calculator is a very easy to use, you don’t need to download any extra software whatsoever. It allows you to analyse returns and other important numbers relating to any residential investment property deal with ease.

Calculating Your Returns

On what basis do you wish to calculate your returns?*
- Purchase Price(s)
- Current value(s)
Based on a property value of?*
Don't enter a £ sign please
And monthly rent of?*
Don't enter a £ sign please
OK, in percentage terms that equates to a gross yield of*
Now enter the value of your loan, i.e. the amount outstanding*
Don't enter a £ sign please
What is the current interest rate you are paying? *
please do not enter a percentage sign
Your monthly interest only mortgage cost is £
Based on the figures you have provided your LTV is ...*
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.
Your gross equity is £*
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.
What percentage of rental income do you want to budget for costs excluding interest payments?*
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.
This equates to a monthly cost of £
Your monthly return on equity (cashflow) in £*
After deducting all mortgage interest payments and costs your current return on equity or averaged monthly cashflow in £ is
Your return on equity as a % 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.
Break even*
Based on the figures you have entered the break even interest rate is ....
Email*
If you would like us to send these calculations to you in a nice report format please enter your email address.
Now add a reference to this set of calculations*
This could be the address of a property which this calculation is based upon or something more generic such as "My property portfolio analysis as of DATE"
Landlords Calculator Donation*
Zero is an option but we are hoping you will be a bit more generous than that. A small donation will go a long way towards demonstrating to us that what we are doing here at Property118 is truly valued. Donations are securely managed through PayPal but you don’t need an account with them to buy us a coffee. When you get to the PayPal page look towards the bottom left of the page for the option to use a debit or credit card. For legal reasons we need to point out that Property118.com is a trading style of Innovative Landlord Solutions LLP (a limited liability partnership registered in England and Wales) so that's the name which our PayPal account is registered in.

Until now landlords and their professional advisers have struggled with traditional calculators and spreadsheets to calculate rental yields, cashflow, returns on equity and the interest rates a property deal achieves break even or neutral cashflow.
Our Landlords Calculator takes you through set of numbers and provides easy to follow explanations a step at a time making all of the above simple.
Simply follow the the instructions, type in your numbers and calculator does everything else for you. The key figures you need, together with explanations, appear on screen as you go.
When you have completed the process you will be given an opportunity to add a title to your masterpiece and have a neat report emailed to you for future reference or, if you are a professional adviser, to present to your clients.

Landlords Calculator Reviews

Check out the reviews below which have been left by other landlords and associated professionals. We appreciate all feedback so please let us know what you think of our landlords calculator by leaving a review of your own in the comments section below.

Alan Russell | Sr Loan Agent

Friday, July 26, 2013