Mortgage & Rental Profitability
Compare mortgage options, rental income, tax and renovation costs to understand your property cash flow.
Property investment planner
Mortgage & rental planner
Compare mortgage options, rental income, tax and renovation costs. Figures are illustrative.
Personal income
Enter actual taxable personal income, not company turnover or retained company profits. Pension adjustments and other income are not modelled.
Rental & mortgage
Selected monthly payment
£2,605
Capital repayment
Interest-only payment
£1,875
Monthly
Repayment payment
£2,605
Monthly
Estimated rental income tax
£107
Monthly, after finance-cost relief
Monthly payment saving
£730
Interest-only versus repayment
Interest-only cash flow
£68
Monthly after estimated tax
Repayment cash flow
-£662
Monthly after estimated tax
Current LTV
75.5%
Based on your estimated value
Estimated sale proceeds
£134,996
Before CGT, ERC and other costs
Five-year projection
Illustrative estimates, not guaranteed outcomes.
| Year | Rent | Interest | Principal | Expenses | Est. tax | Cash flow | Mortgage balance | Property value | Equity |
|---|---|---|---|---|---|---|---|---|---|
| 1 | £28,152 | £22,296 | £8,961 | £3,000 | £1,548 | -£7,653 | £441,039 | £613,604 | £172,565 |
| 2 | £28,715 | £21,838 | £9,419 | £3,000 | £1,864 | -£7,407 | £431,620 | £632,012 | £200,392 |
| 3 | £29,289 | £21,356 | £9,901 | £3,000 | £2,191 | -£7,159 | £421,718 | £650,972 | £229,254 |
| 4 | £29,875 | £20,850 | £10,408 | £3,000 | £2,526 | -£6,908 | £411,310 | £670,502 | £259,191 |
| 5 | £30,473 | £20,317 | £10,940 | £3,000 | £2,872 | -£6,656 | £400,370 | £690,617 | £290,247 |
Upgrade investment
Gross payback period
0.0 years
Assumes the full increase is achieved and sustained
Replacement kitchens may be capital expenditure rather than immediately deductible rental repairs. Seek tax advice before claiming costs.
Sale scenario
Estimated equity released
£134,996
Before capital gains tax, early repayment charge and other costs
CGT: Not calculated. Acquisition/disposal costs, ownership dates, qualifying occupation dates and relief details are needed.