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HMO Portfolio Analyzer
Combine up to six properties to see portfolio cashflow, loan to value, rental cover and a rate stress test.
This analyser adds up the value, debt, rent and costs of your properties to show combined cashflow, portfolio loan to value and how cashflow would change if rates rose. It illustrates typical lending tests and is not a lending decision or tax advice.
Your properties
Add up to 6 properties. Rent and costs are monthly; costs exclude mortgage interest.
Your results
- Total value
- £650,000
- Total debt
- £487,500
- Equity
- £162,500
- Weighted average rate
- 5.50%
- Gross yield
- 10.34%
- Monthly rent
- £5,600
- Monthly costs and interest
- -£3,914
- Rental cover at 5.5%
- 251%
- Cashflow if rates rise 2 points
- £873
Portfolio rental cover of 251% is above the typical 125% at a 5.5% stress rate.
Illustrative figures only, based on the numbers you enter. Not a mortgage offer.
How we calculate HMO Portfolio Analysis
Methodology and data sources, updated October 2026
Formulas
- Monthly cashflow
Σ Rent - Σ Costs - Σ (Loan × Rate ÷ 12)Across every property, with each loan on an interest-only basis at its own rate. Before tax.
- Portfolio loan to value
(Total debt ÷ Total value) × 100Equity = Total value - Total debt.
- Weighted average rate
Σ (Loan × Rate) ÷ Total debtLarger loans count for more.
- Gross yield
(Σ Rent × 12 ÷ Total value) × 100Rent before costs and interest, against the current values you enter.
- Portfolio rental cover
(Σ Rent × 12 ÷ (Total debt × 5.5%)) × 100All rent and all debt tested together at a 5.5% stress rate, compared with a typical 125%. Lenders may also test each property on its own.
- Rate stress
Σ Rent - Σ Costs - Σ (Loan × (Rate + Stress) ÷ 12)Monthly cashflow if every rate rose by the stress you enter.
Data sources
- Yes:Your own property values, loans, rents, costs and rates
- Yes:Typical specialist HMO lending criteria from specialist lender and broker tables, checked October 2026: 5.5% stress rate, 125% rental cover
- Yes:Indicative HMO rate book, September 2026 (5-year fix pay rates 4.5% to 6.4%)
Key assumptions
- Repayment basisCapital repayments are not included
- Interest only
- Default interest rateTypical 5-year HMO fix pay rate; enter each loan's actual rate
- 5.5%
- Stress rate
- 5.5%
- Rental cover benchmarkLimited company and basic-rate borrowers; higher-rate individuals typically 145%
- 125%
- Default rate stressA what-if figure you can change, not a forecast
- +2 points
- Monthly costsEverything except mortgage interest: management, voids, repairs, bills, insurance, licensing
- As entered
- Tax
- Not included
- Properties
- Up to 6
Next steps
Free initial review
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