Rent vs buy
Cash spent on a mortgage plus housing costs versus rent, and a rough equity figure after a chosen number of years.
Open a calculatorRental yield
Gross yield is twelve months of rent divided by the price. Net yield subtracts vacancy and the yearly costs you enter (the housing charge, tax, a management fee). Mortgage interest, a renovation year and tax on the rent are not in the net figure. It is not an investment recommendation.
Purchase price of the flat or unit — the base for gross and net yield.
Purchase price of the flat or unit — the base for gross and net yield.Monthly rent from the tenant — exclude utilities if the tenant pays them separately.
Monthly rent from the tenant — exclude utilities if the tenant pays them separately.Share of the year without a tenant, in percent — 8% is about one empty month.
Share of the year without a tenant, in percent — 8% is about one empty month.%
Yearly running costs (housing charge, tax, management) — mortgage interest is not included.
Yearly running costs (housing charge, tax, management) — mortgage interest is not included.Net yield
4.7%
Gross yield
6.5%
Rent in a full year
42,000
Net in a year
30,640
Net yield: 4.7%
A 2% vacancy is about one empty week. Agency fees and a void between tenants usually sit higher. Compare with the rent-versus-buy page if you live there yourself.
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An educational estimate. Not medical, tax or credit advice.