Holiday Let Investor

Free deal checker

Check one UK holiday-let deal free.

Add a property link, paste the listing description, or upload an agent PDF, screenshot or brochure. Then review the draft assumptions, edit the finance numbers, check the UK location signal, and see estimated cashflow, break-even occupancy, offer range, downside risk and missing evidence.

Check a holiday-let deal

Add a property link, paste listing details or upload a brochure. Then review the assumptions and run a first-pass score.

Deal checker assumptions

Start from a listing

Add the property links, paste any listing text you have, or upload the brochure. Public estate-agent and developer pages can be imported directly where allowed. Rightmove and Zoopla links are kept as references; uploaded brochures, screenshots and pasted text are the most reliable way to pre-fill assumptions.

Upload brochure, screenshot or notes

Add up to four files. TXT and Markdown import locally. PDF, JPG, PNG and WebP imports are included with the full report and can pull out price, bedrooms, location and stated revenue where the file includes it.

Property and market fit

Use the link for reference, then score the deal from assumptions you can check. Edit any imported detail before relying on the score.

Location signal: North Devon, Devon

Established holiday-let region, with performance strongest near recognised beach and village markets.

Established visitor marketSeasonal demand

Stronger property-fit evidence to look for: parking, garden, beach access, pet friendly.

Location research

The full report can check public tourism, local authority and visitor information for the selected area, then suggest demand, seasonality, local risks and comparable-search terms.

Enter the email used at checkout to unlock location research. The free checker still uses the built-in UK market layer where it recognises the location.

Upgrade scenarios

Mark what the property already has, then compare illustrative improvement scenarios. These are not income promises; use them to decide what evidence to check in local comparable listings.

Add hot tub / spa

High fit

+£1,760

Gross income change

+£4,523

Capital cost

£7,500

Annual cost

£1,400

Setup payback

4.3 years

Assumptions

  • Illustrative rate uplift is weighted to shoulder and low season where hot tubs may help conversion.
  • Annual running cost includes servicing, chemicals, energy and extra maintenance allowance.

Evidence to check

  • Compare similar local listings with and without hot tubs.
  • Get written quotes for installation, electrical work, servicing and insurance impact.

Add fireplace / log burner

Medium fit

+£428

Gross income change

+£1,139

Capital cost

£4,250

Annual cost

£350

Setup payback

9.9 years

Assumptions

  • Illustrative uplift is focused on winter and shoulder-season conversion.
  • Annual cost includes sweep, safety checks, fuel/admin allowance and extra maintenance.

Evidence to check

  • Check whether similar winter-booked properties mention a log burner or open fire.
  • Get installer, chimney/flue and insurance advice before assuming the feature is viable.

Make the property dog-friendly

High fit

+£679

Gross income change

+£2,112

Capital cost

£1,800

Annual cost

£450

Setup payback

2.7 years

Assumptions

  • Illustrative uplift assumes the property can genuinely support dog-friendly stays.
  • Setup cost allows for durable furnishings, pet-cleaning provisions and small garden/access improvements.

Evidence to check

  • Check how many similar local listings allow dogs and how they price pet stays.
  • Confirm cleaning provider, flooring, garden/security and house rules are suitable.

Add EV charger

Medium fit

+£13

Gross income change

+£380

Capital cost

£1,500

Annual cost

£250

Setup payback

50+ years

Assumptions

  • Illustrative uplift is modest and assumes off-street parking plus controlled charging rules.
  • Extra income is treated separately because some owners charge for EV use.

Evidence to check

  • Check whether similar local premium listings mention EV charging.
  • Get an electrician quote and decide whether charging is included or separately charged.

Purchase and finance

Deposit + mortgage: £250,000

Annual mortgage estimate: £10,063

Cash invested: £105,500

Deposit

30.0%

Share of purchase price

Loan to value

70.0%

Mortgage divided by price

Monthly finance

£839

Interest-only

Net after mortgage

£10,241

Base-case annual cashflow

Interest-only selected. The model deducts interest only, so the mortgage balance is not reduced. Confirm the lender allows holiday-let use and check refinance risk.

Changing the interest rate changes the mortgage cost and net cashflow. The mortgage balance itself only changes when purchase price, deposit or mortgage amount changes.

Current finance score: 79/100. The overall score also reflects location, restrictions, property fit and evidence gaps, so it may move less than the finance score.

Interest-only annual cost: £10,063

Repayment annual cost: £13,211

If rate is 1% lower: +£1,750 cashflow/year

If rate is 1% higher: -£1,750 cashflow/year

Repayment mode is £3,149 more per year than interest-only at the current rate and term.

Income assumptions

Running costs

Educational use only

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

This checker is for educational and illustrative purposes only. It does not constitute financial, mortgage, tax, investment or legal advice. Outputs are estimates based on the assumptions entered and should not be treated as a recommendation to buy or not buy a property.

Need to compare more properties?

Use the free score as a first filter. Choose live deal alerts for repeated searches, or get the full deal report and spreadsheet for one serious property.