What it's for
Shows what actually reaches your bank account each month once every operating cost and the mortgage or finance are paid, before tax.
Decisions it helps with
- • Whether a property pays for itself after finance
- • How a rate rise or remortgage would change your monthly cash
- • Which cost lines are eating most of the revenue
When you'd use it
Your fixed rate ends next spring and the mortgage will rise by £200 a month. You change the finance line and see whether the property still makes money after every other cost.