Holiday Let Investor

Free calculator

UK holiday-let investment calculator

Estimate revenue, costs, mortgage impact, yields, break-even occupancy and cash-on-cash return using transparent assumptions.

Property assumptions

Defaults are illustrative UK holiday-let assumptions, not market data.

Property name/reference Location Purchase price £ Deposit £ Mortgage amount £ Interest rate % Mortgage term years Mortgage type Repayment uses a standard capital-and-interest formula.

Income assumptions

Seasonal rates multiplied by booked weeks plus annual extras.

High-season weekly rate £ Mid-season weekly rate £ Low-season weekly rate £ High-season weeks booked weeks Mid-season weeks booked weeks Low-season weeks booked weeks Short-break/extra income £

Costs and setup

Operating costs are deducted before mortgage. Percentages are annual assumptions.

Cleaning fee charged to guests £ Cleaning cost paid by owner £ Platform/booking fee % Management/agency fee % Utilities per year £ Insurance per year £ Maintenance reserve % Council tax/business rates/service charge £ Hot tub/spa maintenance £ Other annual costs £ Furnishing/setup cost £ Stamp duty/legal/purchase costs £

Net cashflow after mortgage £0

NOI before mortgage minus estimated annual mortgage cost.

Risk rating–

Gross booking revenue–

Total gross income–

Operating costs–

Mortgage annual cost–

NOI before mortgage–

Cash-on-cash return–

Break-even occupancy–

Setup payback–

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Educational use only.

This tool is for educational and illustrative purposes only and does not constitute financial, mortgage, tax, investment, or legal advice.