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🏘 HMO Investment Analysis

HMO Yield Calculator
UK 2026

Calculate your true HMO returns room by room — and instantly compare what the same property makes as a standard single let. See exactly why HMO generates significantly more income.

Property & Purchase Costs
Purchase Price£200,000
£
Stamp Duty £
Legal Costs £
Refurb / Fit Out £
HMO Licence Fee £
Broker Fee £
Other Costs £
Finance
Purchase method
HMO Room Configuration
Number of Rooms5 rooms
Running Costs
Management %
Contingency %
Insurance £/yr
Accountancy £/yr
Single Let Comparison
Single Let Monthly Rent £ (check Rightmove for your area)
Estimated based on typical single let for this property size. Adjust to your local market.
Capital Growth
Annual Growth Rate2.0%
Set to 2% as a conservative UK average. Adjust based on your own research.
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Full breakdown, room by room income, true net yield and 10-year projection — free
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📊 Quick Overview
Total Monthly Rent
£0
Annual Gross Rent
£0
Gross Yield
0%
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Article 4 Restriction — Check Before You Buy
In Article 4 areas, converting a property to an HMO requires full planning permission — this can add significant cost, delay or make conversion impossible. Always check with the local council before purchasing any HMO or potential HMO property. Many prime HMO cities including Manchester, Birmingham and Leeds have Article 4 designations in key areas.
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HMO
5 rooms let individually
Monthly Income£2,800
Annual Net Income£22,400
Net Yield11.2%
Net Yield on Cash
11.2%
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Single Let
Whole property, one tenant
Monthly Income£1,000
Annual Net Income£6,240
Net Yield3.1%
Net Yield on Cash
3.1%
HMO ADVANTAGE
£16,160
more per year than single let
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See exactly how much more
you could make vs single let.
Full breakdown, room by room income, true net yield and 10-year projection — free, takes 10 seconds.
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Room by Room Income
RoomMonthly RentAnnual Rent% of Total
Full HMO Cost Breakdown
5 & 10 Year Total Return
Cumulative net rent + capital growth at 2% per year. Conservative estimate.
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Important Disclaimer: This calculator provides illustrative estimates only. HMO yields, costs and rental income will vary significantly based on location, property condition, management arrangement and market conditions. Capital growth projections use a conservative 2% annual assumption — actual growth may be higher or lower and is not guaranteed. Article 4 restrictions, licensing requirements and planning rules vary by local authority and change regularly — always verify with the local council before purchasing. This tool does not constitute financial, legal or investment advice. Always seek independent professional advice before making any investment decision. Now I Know Property accepts no liability for decisions made based on these projections.