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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
Live SA Calculator
Serviced Accommodation calculator
Project cash flow, setup costs, net ROI and break-even occupancy for short-to-medium stay serviced accommodation.
SA net cash flow
£-9,065
Baseline AST profit
£-7,200
Break-even occupancy
94.3%
Net ROI
-7.4%
SA vs AST comparison
Gross annual SA revenue: £33,507
Variable costs: £17,972
Fixed costs: £11,400
Debt service: £13,200
SA advantage over AST: £-1,865
35
/100
Avoid
AI Deal Score
🇬🇧 United Kingdom
Avoid: 10.47% yield, -14.12% ROI, £-1,129/month cashflow, and 25% deposit benchmarked against United Kingdom.
⚖️ LOCAL AREA VS. YOUR INPUTS
- Yield Performance: Your Gross Yield of 10.47% sits above the average market benchmark range of 4.0% - 7.0% for United Kingdom.
- Strategy Viability: Executing a Serviced Accommodation at this price point means your capital efficiency is operating at a -14.12% Cash-on-Cash ROI, which is underperforming the localized economic landscape.
- Cash Flow Stability: At £-1,129/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 £320,000. 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: Your deposit is healthy at 25%, meaning the interest rate of 5.5% is likely consuming your margins. Try lowering the Interest Rate slider, shopping for better financing terms, or negotiating a better purchase price to preserve cash flow.
- 🔄 Occupancy & ADR: For short-term lets the score is driven by realistic occupancy (70–80%) and the achieved nightly rate, not headline rent. Stress the ADR down 15% and re-test — and if planning rules (for example the 90-day cap in London) or licensing restrict short lets, re-test as a standard single let.
- 🏛️ 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