HMO Mortgages

HMO Cashflow Calculator

Calculate cashflow for your HMO investment.

Your figures

Enter monthly amounts.

Rental income

Rent per room

Number of rooms

Total rent £3,250 a month

Mortgage and running costs

Mortgage payment

Insurance

Maintenance

Voids

Allowance for empty rooms

Management

Letting agent fees, if used

Other costs

Bills you pay

Gas

Electricity

Water

Broadband

Council tax

Cleaning

Bills total £380 a month

Your results

Net monthly cashflow

£1,210

Net annual: £14,520

Income

Rent, 5 rooms at £650: £3,250

Monthly costs

Mortgage: £1,200
Running costs: £460
Bills: £380
Total costs: £2,040

Returns

Cashflow per room: £242
Costs as a share of rent: 63%

Illustrative figures only, based on the numbers you enter. Not a mortgage offer.

How we calculate Cashflow

Methodology and data sources, updated March 2026

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

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

Key assumptions

Occupancy RateTypical HMO occupancy rate: 95%
Management FeeStandard HMO management fee: 10% of rent
Insurance CostAverage HMO insurance premium: £800/year

Next steps

Free initial review

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