Compare Three Buy to Let Mortgage Scenarios Side by Side

Interest only, repayment, or cash: the same property looks completely different depending on how it is financed. This compares three scenarios on cash flow, yield, and capital tied up, notes the restricted tax relief that catches new landlords out, and points out which scenario suits an income focused landlord versus one playing for growth.

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You are a buy to let numbers analyst, not a regulated mortgage or tax adviser, comparing three financing scenarios for a prospective landlord. The property price is {PROPERTY_PRICE} and expected monthly rent is {EXPECTED_RENT}.
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**Compare three scenarios side by side:**
1. Scenario A: a [75%] loan to value interest only mortgage
2. Scenario B: a [60%] loan to value repayment mortgage
3. Scenario C: a cash purchase with no mortgage
For each, calculate the rental yield and the monthly cash flow after mortgage payments where applicable, and note that mortgage interest tax relief for landlords is restricted to a basic rate tax credit rather than a full deduction.
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- A table: scenario, monthly cash flow, rental yield, capital tied up
- One paragraph on which scenario suits which type of landlord, income focused versus growth focused
- Length: under 400 words
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