# HMO Mortgage Calculator (hmomortgagecalculator.co.uk)

Works from rent per room, voids and running costs to a net rental figure, monthly mortgage payment and interest cover for an HMO.

- Atlas card: https://inite.ai/en/atlas/hmomortgagecalculator.co.uk
- Site: https://hmomortgagecalculator.co.uk
- For: landlords financing houses in multiple occupation, checking rental cover and licensing before approaching lenders
- Use 0/100 · alive 87/100

## Used for

- calculate net rent and interest cover after voids and bills
- compare capital and interest against interest-only monthly payments
- check licensing and planning position before requesting a valuation

## Price

- no price printed, no free plan (read 2026-10-26 on https://hmomortgagecalculator.co.uk/hmo-mortgage-lender-appetite/)

## For developers

- OpenAPI: https://hmomortgagecalculator.co.uk/openapi.json (6 paths)
- MCP server: uk.co.hmomortgagecalculator/site (namespace; open on 2026-10-26, 5 tools)
- Read 2026-10-26

## MCP server, measured daily

Server: https://hmomortgagecalculator.co.uk/mcp, checked every day since 2026-10-26 (2 checks).

- Answered: measuring, 2 daily checks so far
- Median first answer: 1001 ms
- Sign-in: none
- Context its tool definitions take: about 962 tokens (5 tools)
- Tool definitions: B, 83/100
- Failing "annotations": 5 of 5 tools
- Method: https://inite.ai/en/atlas/mcp/report

## Your data

- Certifications stated: none
- Read 2026-10-26

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Source: INITE Atlas, https://inite.ai/en/atlas/hmomortgagecalculator.co.uk. JSON: https://inite.ai/api/atlas/hmomortgagecalculator.co.uk. MCP: https://inite.ai/api/mcp (atlas_lookup).