HMO Cash Flow Investment Calculator

This HMO investment calculator is for assessing potential HMO investment properties return on investment and monthly cashflow.

HMO refers to houses of multiple occupation. The calculator could also be used for other property types, singles AST lets, holiday lets and service accommodation if required.

The calculator below is the same one that I have used for many years when looking at potential investment properties. This is not meant to be a black and white tool to say if something is good or bad investment. There are a huge number of factors involved. But this HMO calculator does at the least give you an idea of the potential cashflow that an investment property might achieve.

The calculator doesn’t account for taxation which is a large cost with any profitable venture and should be considered based on your individual tax position. Seek professional tax advice.

To use the calculator, you will first need to calculate your stamp duty. We have a stamp duty calculator for that – Stamp Duty Calculator for England & Wales.

How to use the HMO calculator.

  1. Boxes containing a ? is where you enter your figures.
  2. Answers or results are in the boxes with red bold labels.
  3. Use our Stamp Duty Calculator to get your stamp duty figure.
  4. You do not need to enter a figure in every box for it to work.
  5. You can save it by going to print page in your browser and printing the page to a PDF.

Have a read of what our customer have to say about us.

Hey Mortgages IconHey Mortgages

Adamson House, 106 Wilmslow Road, Didsbury, Manchester

4.8 26 reviews

  • Avatar Hanni Brett ★★★★★ a month ago
    I can't believe how helpful Thomas has been. So easy- Thomas did everything for me. He spent so much time on the phone talking through my situation and giving great advice, then found me an amazing deal. Highly recommended.
  • Avatar Jimmy Walshaw ★★★★★ 5 months ago
    Really pleased with Thomas’s help. I was struggling with finding the right deal to suit my needs when renewing and the advice he gave was really helpful. I now have a deal which suits me for the current period and is flexible enough to … More change. I have saved money each month and have a much clearer picture of my options once my current offer expires. Would 100% recommend and will be using him again.
  • Avatar Joey Crone ★★★★★ a year ago
    Genuinley can't speak highly enough about Thomas. To say he went over and above for us is an understatement.
    He was proactive, knowledgable and diligent throughout our house move and helped us enormously with his experience and
    … More his good humour.
    Honestly, let him sort your mortgage. There won't be a better option.
  • Avatar Anthony Chiu ★★★★★ a year ago
    We found Thomas through a recommendation and he has been professional and friendly throughout our remortgaging process, offering us sound financial advice along the way. We also didn't give him much time before our existing mortgage's … More fixed rate period was due to end, but he's managed to speed things up - we really appreciate this!
  • Avatar Dan Jones ★★★★★ 2 years ago
    Great service and support. We had a complicated set of needs and our advisor couldn't have been more helpful. Great attention to detail. Would highly recommended
  • Avatar Harry Mustoe ★★★★★ 2 years ago
    We have used Thomas for a number of private and business mortgages. Thomas is a personable and knowledgeable advisor. There is no hard sell just a clear overview of the options. Once you choose a mortgage Thomas drives things personally … More ensuring minimum hassle and on time completion!
  • Avatar runninglate100 . ★★★★★ 2 years ago
    Couldn't have asked for better advice and support to buy my first house and negotiate my recent remortgage. Trustworthy, honest and clear explanations through the whole process. Thank you Cai!
  • Avatar pontdain . ★★★★★ 2 years ago
    Thomas at Hey Mortgages has now successfully brokered two mortgages for me and they were both arranged with a minimum of hassle.