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AI-Powered Analysis v2.0 Live

Know your Real Return.
Not just gross yield.

  • Net yield after real UK costs (service charge, etc)
  • Monthly cashflow & return on equity
  • Stress test interest rates (find your break point)
Join 200+ UK landlords using RealYield.

"Built by UK property investors frustrated with misleading yield calculators."

RealYield Dashboard Interface showing Net Yield and Cashflow analysis

Most yield calculators miss the costs that matter.

They show you "Gross Yield" but ignore the 40% of income that disappears into service charges, agent fees, maintenance, and voids.

  • Ignoring Service Charges (£1000s/year)
  • Forgetting Agent Fees (10-15% + VAT)
  • No Stress Testing for Rate Hikes

Our Real-World Analysis

Gross Yield10.6%
True Net Yield4.2%
Monthly Cashflow+£245
Break-even Rate8.5%

Not all calculators are created equal.

Standard calculators give you a vanity metric. RealYield gives you an investment strategy.

FeatureBasic ToolsRealYield
Gross Yield Calculation
Service Charge Adjustments
Agent Fee (% or £) Toggles
Mortgage Stress Testing
Safety Headroom (Break-even)
AI Deal Intelligence
Shareable Deal Links
Void Period ModelingBasicAdvanced

AI-Powered

Context-aware insights for the 2025 UK market.

Shareable

Send live deal links to partners or lenders.

Real-Time

Instant feedback as you adjust the numbers.

Powered by OpenAI GPT 5

Professional Analysis
In a Single Click.

Stop guessing. Our AI engine analyzes every variable—from local service charges to interest rate sensitivity—to give you a professional investment verdict instantly.

The Verdict

A one-sentence "Go" or "No-Go" summary of the deal.

Risk Assessment

Deep dive into the Break-even rate and sensitivity to voids.

Actionable Tips

Specific advice on how to improve the deal's ROI.

AI Deal Insights
Real-Time
1. The Verdict
"This deal is exceptional. While the gross yield is 10.6%, the high service charge is the primary risk. However, with a 16.3% Cash-on-Cash return, it significantly outperforms traditional UK savings."
ROI Efficiency
High
Vs UK Market Avg
Risk Level
Medium
Interest Sensitivity
2. Risk Check

Your break-even rate is 8.54%. This gives you a 7.07% buffer against current market rates.

Analysis optimized for UK Buy-to-Let via ChatGPT 5

The "Real World" Gaps

Most calculators ignore the reality of UK property investing. Here is an actual London leasehold flat example. Note the difference between "Yield" and "Reality".

Property Details

Purchase Price£187,000
Mortgage (Interest Only)£121,000 @ 1.47%
Equity Invested£66,000
Annual Rent£19,800

The "Real Costs" often ignored:

  • Service Charge-£3,420
  • Agent Fees-£1,900
  • Mortgage Interest-£1,740
  • Total Running Costs-£9,040 /yr

Our 4-Perspective Analysis

Built by UK landlords for investors.

1. Gross Yield (The "Rightmove" Number)10.6%
2. True Net Yield (After Costs)Inc. service charge, agents, repairs & interest.
5.75%
3. Monthly Cashflow+£897

Pays you comfortably every month.

4. Cash-on-Cash Return16.3%

Return on your £66k equity. The killer metric.

Make Smarter Investment Decisions

Is this deal actually good?
Stop guessing. Input service charges and agent fees to see the *real* net yield. If it's below 4%, you'll know instantly.
What if rates hit 6%?
Don't get caught out. Use our stress-test slider to find the exact interest rate where your cashflow turns negative.
AI Deal Verdict (GPT-5)
Get an unbiased second opinion. Our AI analyzes your numbers against UK market averages and gives you a clear pass/fail.

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Frequently Asked Questions