Property
The entered rent materially drives the returns
Costs and finance absorb around 67% of the rent, so the case depends closely on achieving £1,450 pcm.
Illustrative example · Read only · Buy-to-Let
A fictional property. A complete investment case.
Example House is not a live listing. Every property detail, price and rent is invented for this illustration. Rent has not been independently verified; this is not a valuation or a recommendation to buy.
The figures use the same Buy-to-Let calculations as your own Thesis. Viewing this example uses no credits and does not add a property to your account.
Your Property ThesisUK
Example House · fictional property, England
Buy to Let
3 bed1 bathTerraced houseFreeholdThesis Readiness
70 / 100 · 3 checks remain
Completeness & validation — not an investment rating.
What's behind this score?Hide the detail
Validated
- ✓ Core purchase, rent and funding figures are complete
- ✓ Indicative rent test is resolved on current assumptions
- ✓ Freehold tenure is stated
- ✓ Letting-management cost is stated
Still assumed
- ○ Expected rent is your estimate
- ○ Works budget is a rough estimate
- ○ Ownership structure advice is outstanding
To strengthen this Thesis (3 checks)
- → Support the expected rent with tenancy, agent or comparable evidence
- → Validate the works scope, cost and contingency
- → Confirm the ownership structure with an accountant or tax adviser
Complete the remaining checks to strengthen the evidence behind this Thesis.
This measures how complete and validated your investment case is. It does not rate whether the property is a good investment.
Monthly pre-tax cash flow
£480 pcm
After the finance and property costs modelled here
Gross yield
7.2%
Cash required
£85,545
Deposit, acquisition costs, fees and works where applicable
£1,450 pcm rent produces a 7. 2% gross yield and £480 pcm pre-tax cash flow.
- Purchase
- £240,000
- Rent
- £1,450 pcm
- Finance-required rent
- £1,196 pcm
Your income story
From monthly rent to pre-tax cash flow
Only the finance and property costs modelled from your answers are deducted.
Expected rent
£1,450 pcm
The monthly rent you entered
Finance
− £825 pcm
Interest-only mortgage payment
Modelled costs
− £145 pcm
Management and entered leasehold costs
Pre-tax cash flow
£480 pcm
Before tax and unmodelled costs
Gross yield7.2%
Break-even rent£917 pcm
Finance coverageIndicative coverage met
Annual cash flow£5,760
Rent resilience
Break-even rent
£917 pcm
Expected rent
£1,450 pcm
Finance-required rent
£1,196 pcm
Expected rent is £533 pcm above break-even.
What matters
The strongest evidence and priority questions.
Tax & Ownership
Higher-rate tax position needs advice
A personal higher/additional-rate tax profile can materially affect the after-tax position. This is a prompt to get advice, not tax advice.
Validated
Base-case pre-tax cash flow is positive
After operating assumptions and the interest only finance assumption, the model shows £480 pcm of pre-tax cash flow.
Validated
Indicative coverage is met
Expected rent of £1,450 pcm sits above the indicative requirement of £1,196 pcm, about 121% of the indicative requirement.
Interactive scenarios
Stress your Thesis
These scenarios recalculate the existing model without changing your saved Thesis, Readiness or Analyse allowance.
Selected: Thesis
- Monthly cash flow
- £480 pcm
- Cash-on-cash
- 6.7%
- Finance coverage
- Indicative rent test passed · The entered rent is £254 pcm above the indicative minimum rent used in this check.
Uses the rent and finance assumptions you entered.
Strengthen your Thesis
70 / 100 · 3 priority checks remain
- 01
Validate the achievable rent against suitable local comparables.
- 02
Confirm the ownership and tax treatment with an accountant or tax adviser.
- 03
Obtain quotes for the planned works to firm up the budget.
Explore the detail
Open any section to audit the assumptions and calculations.