Yielda Investor
Analysing deals
Enter a property's details to instantly calculate yield, cashflow, SDLT, IRR, and stress-test results.
Starting a new analysis
Click Analyse new property on your dashboard, or use New analysis in the top navigation. This takes you to the deal analysis form at /properties/new.
The deal form — field guide
The form is split into sections. Here is what each field means:
Deal name & address
A label for your own reference (e.g. "3 bed Leeds terrace"). The address is used for market benchmark lookups — postcode is sufficient if you do not want to enter the full address.
Purchase price
The agreed or asking purchase price before any costs.
Legal fees
Solicitor and conveyancing costs. Typical range: £1,000–£2,000 for a standard BTL.
Refurbishment cost
Total estimated refurb budget. Leave as £0 if you are buying a ready-to-let property. This is added to your total acquisition cost.
Monthly rent (PMA)
Expected rent per month. PMA stands for per month actual — the gross rent before any deductions. Check Rightmove or Zoopla for comparable rents in the area.
Void periods (%)
Estimated percentage of the year the property will be vacant. 8% (roughly one month) is a common conservative assumption for most BTL areas.
Management fee (%)
Letting agent management fee as a percentage of gross rent. Typically 8–12% for a managed service. Set to 0% if you self-manage.
Maintenance allowance (%)
Annual maintenance reserve as a percentage of gross rent. 5–10% is a common assumption depending on the property age and condition.
Mortgage rate (%)
Annual interest rate on your mortgage. Use the rate on the product you are applying for, not the SVR.
Deposit (%)
Your deposit as a percentage of purchase price. BTL mortgages typically require a minimum of 25%.
Term (years)
Mortgage term in years. Most BTL mortgages are interest-only so the term mainly affects your capital repayment schedule in the cashflow view.
Owns other property / Limited company
Used to calculate Stamp Duty Land Tax (SDLT) correctly. If you already own a property, the 3% SDLT surcharge applies. If purchasing through a limited company, different rates apply.
Reading the results
Results update live as you fill in the form. After saving, the full deal view at Deals shows:
Gross yield
Annual rent ÷ purchase price. A common headline metric. 5–8% is typical for UK BTL.
Net yield (NOI yield)
Annual rent after void, management, and maintenance deductions, divided by total acquisition cost. More accurate than gross yield.
Monthly cashflow
Net rent received minus monthly mortgage interest payment. This is your monthly profit after the main costs. Positive cashflow means the property covers itself.
Annual cashflow
Monthly cashflow × 12.
Cash-on-cash ROI
Annual cashflow ÷ total cash invested (deposit + legal fees + refurb). Measures the return on your out-of-pocket cash — useful for comparing leveraged deals.
IRR (Internal Rate of Return)
A time-weighted return estimate that includes both cashflow and capital growth. Requires the deal to be saved and a growth assumption to be set.
SDLT (Stamp Duty Land Tax)
Automatically calculated based on purchase price, whether you own other property, and whether you are buying through a limited company. The figure shown is the total SDLT payable.
Stress tests
Automated scenarios testing what happens if interest rates rise, rent drops, or voids increase. A deal that still cashflows positively under stress is safer.
Deal score
A composite 0–100 score weighing yield, cashflow, ROI and stress performance. Useful as a quick filter when reviewing multiple deals.
UK investor modes
Yielda supports multiple UK investment strategies. The mode selector lets you switch the analysis assumptions between:
- Standard BTL — single-let, personal ownership
- HMO — house in multiple occupation, room-by-room rent
- Limited company — corporate purchase, corporation tax instead of income tax
- Serviced accommodation — short-let / Airbnb-style income model
Saving a deal
- 1
Fill in the form and review the results
Check that the yield, cashflow, and SDLT figures look correct before saving. - 2
Click Save deal
The deal is saved to your workspace. You are redirected to the full deal view. - 3
Access later from Saved deals
All saved deals appear in Saved deals. You can edit, duplicate, or delete from there.