Mortgage Cashflow Tool

Analyse Your Buy-to-Let Cashflow

Enter your mortgage and property income details to determine your monthly cashflow position. Understand whether a deal works before you commit.

Includes interest-only & repayment Monthly & annual view Free, no account needed

Example — Interest-Only BTL

Loan Amount£200,000

Monthly Payment (4.8%)£800

Monthly Rent£1,350

Monthly Costs£210

Net Monthly Cashflow£340

✓ Positive cashflow scenario

Buy-to-Let Mortgage Cashflow

Monthly & Annual Cashflow

Enter your mortgage details, monthly income, and expenses. The tool calculates your net cashflow position after financing.

Loan Amount (£)

Annual Interest Rate (%)

Loan Term (years)

Mortgage Type

Monthly Rental Income (£)

Monthly Running Costs (£)

Monthly Mortgage Payment—

Monthly Gross Rent—

Monthly Running Costs—

Monthly Net Cashflow—

Annual Net Cashflow—

⚡ A negative cashflow does not automatically disqualify a property. Capital appreciation and equity build-up must also be considered in your total return analysis.

Why Cashflow Matters

Three Reasons to Model Before You Buy

📉

Rate Sensitivity

A 1% rate increase on a £200,000 interest-only mortgage adds £167/month. Without cashflow modelling, this is an invisible risk.

🏚

Void Periods

Most landlords underestimate void months. Knowing your break-even rent enables realistic contingency planning from day one.

📊

Portfolio Scaling

Lenders assess portfolio cashflow in aggregate. Individual property analysis is the foundation of responsible portfolio growth.