BoaTenure
Yield Calculator
HMO Yield Calculator
Room-by-room yield, cashflow, and deal quality score for Houses in Multiple Occupation
Add a postcode for a real local single-let comparison:
Property & Purchase
Northern Ireland uses the same Stamp Duty as England.
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SDLT (auto): £11,500
Ownership & Tax
£40,000
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Finance
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HMO Income
Lettable rooms and rent
£
Gross monthly: £2,750 (5 × £550)
HMO Running Costs
Landlord-paid bills typical for HMOs
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60/100
Strong HMO DealBased on yield, after-tax ROI, and cashflow: connect a Deal Analyser deal to compare directly
HMO Metrics
£235
Monthly Cash Flow (after tax)
2.98%
ROI (after tax)
Gross Yield16.5%
Net Yield6.14%
Per Room / mo£47
Total Investment£94,500
Monthly Mortgage£688
Annual Expenses£15,652
After Tax
Income Tax (after Section 24 credit)
£1,204
Annual Tax
£2,816
After-Tax Annual Profit
HMO vs Single-Let
Is the extra hassle worth it? Single-let means renting the whole house to one tenancy at one combined rent, instead of letting rooms separately to multiple tenants.
Single-Let
£319/mo
£3,828/yr
HMO (5 rooms)
£335/mo
£4,021/yr
Figures above are cash flow (rent minus expenses and mortgage), not rent. This assumes a single-let rent of £1,375/mo.
Single-let rent£1,375/mo
After 3 void weeks/yr (single-let, not the HMO void above)£1,296/mo
Management + maintenance + insurance−£289/mo
Mortgage−£688/mo
Single-let cash flow£319/mo
+£192/yrHMO uplift
That rent is a rough multiplier of the HMO room rent, not local data: connect a Deal Analyser deal with a postcode for a real estimate instead.
Annual Expense Breakdown
Management£4,188
Maintenance£2,234
Council Tax£2,000
Utilities£3,600
Insurance£600
Cleaner£2,400
WiFi£480
HMO Licence£150
Total£15,652/yr