01 · ANALYSIS
Should I buy this?Deal Analysis
Start with a deal, quick-check it, then run the deeper numbers — every figure updates live as you type.
01 · Deal desk
02 · Calculators
03 · Strategy & tax
04 · Research
How to use HMO Calculator
- 1.Set the number of lettable rooms and the rent per room.
- 2.Enter occupancy, bills and running costs.
- 3.Check cashflow, yield and the licensing flags — updated live.
Tip: Licensing flags update automatically from the area data.
HMO Opportunity Analysis
Evaluate cashflow, yield and room configuration performance.
Monthly cashflow
£0
£0 per year
Gross yield
0.0%
Based on effective rent
Effective monthly rent
£0
£0 at 100% occupancy
Cash-on-cash return
0.0%
£0 total cash in
HMO key data
Mortgage payment: £0/mo
Break-even occupancy: 0.0%
Bills allowance: £0/mo
Setup costs: £0
HMO checklist
- • Confirm local demand for individual rooms and realistic room rents.
- • Check council tax, utilities, broadband, cleaning, maintenance and management assumptions.
- • Review room sizes, fire safety, amenity standards, waste storage and planning constraints.
- • Use the premium licensing segment below for local authority and licensing risk analysis.
0
/100
Avoid
AI Deal Score
Avoid: 0.00% yield, 0.00% ROI, £0/month cashflow, and 0% deposit benchmarked against United Kingdom.
⚖️ LOCAL AREA VS. YOUR INPUTS
- Yield Performance: Your Gross Yield of 0.00% sits below the average market benchmark range of 4.0% - 7.0% for United Kingdom.
- Strategy Viability: Executing a HMO at this price point means your capital efficiency is operating at a 0.00% Cash-on-Cash ROI, which is underperforming the localized economic landscape.
- Cash Flow Stability: At £0/month, your operational buffer is dangerously thin for this asset class. A minor vacancy or single repair bill will wipe out your monthly profits.
🛠️ SLIDERS TO ADJUST TO IMPROVE YOUR SCORE
- 📉 Negotiate Purchase Price: Try sliding your Purchase Price down from £0. Lowering the purchase price instantly contracts your upfront capital deployment, automatically elevating both your Gross Yield and your Cash-on-Cash ROI.
- 💰 Optimize Financial Leverage: Adjust your deposit slider up from 0% toward 25% to lower monthly debt payments and improve cash-flow resilience.
- 🔄 Maximise the HMO: You are already in the highest-yield band. Improve the score by testing extra rooms against planning constraints, confirming local HMO licensing and any Article 4 direction, and benchmarking every room rent individually — or re-test as Serviced Accommodation if the area supports short stays.
- 🏛️ UK Compliance & Tax: Check Section 24 mortgage-interest relief (company/SPV ownership often wins once annual profit passes roughly £25,000), budget for the EPC C minimum expected from 2030, and confirm HMO or selective licensing before assuming the rent plan is legal.
Source: HM Land Registry UK HPI + ONS Private Rental Prices · Tier 1 verified benchmark sources
HMO licensing & Article 4 risk analysis is a premium module — view unlock options.
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