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HMO Cashflow Calculator

Calculate cashflow for your HMO investment.

Modern HMO Property
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How We Calculate Cashflow
Methodology & Data SourcesUpdated October 2025

Calculation Formulas

Monthly Cashflow
Monthly Rent - (Mortgage Payment + Management Fee + Insurance + Maintenance)

Net monthly income after all expenses

Annual Cashflow
Monthly Cashflow × 12

Total annual cashflow before tax

Data Sources

Current HMO mortgage rates from our lender panel
UK Finance property market data
Insurance cost benchmarks
HMO management fee structures

Key Assumptions

Occupancy Rate95%

Typical HMO occupancy rate

Management Fee10% of rent

Standard HMO management fee

Insurance Cost£800/year

Average HMO insurance premium

Calculation Accuracy

Cashflow projections based on current market conditions. Actual results depend on property performance and market changes.