HMO calculator
Letting by the room can lift income, but you pay the bills and carry more compliance. Enter your rooms and costs to see what a house share really makes, and how many rooms you need let to break even.
Results
Gross yield
13.20%
£33,000 a year from 5 rooms, as a share of the price.
Net yield
6.32%
What's left after bills, licensing, management and voids.
Monthly cash flow
£573
£6,877 a year after every cost and mortgage interest.
Cash-on-cash return
6.9%
Annual cash flow on the £99,500 you put in.
Break-even occupancy
3.4 rooms
Let at least 4 of 5 rooms (68%) to cover costs.
Per-room contribution
£115
Monthly cash flow for each room in the house.
Interest cover ratio
293%
How comfortably the rent covers the mortgage interest.
At your rate (6%)
293%
- 125% pass
- 145% pass
Stressed (+2 points) (8%)
220%
- 125% pass
- 145% pass
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