Serviced Accommodation
SA

SA Finance Calculator

Calculate mortgage affordability and returns for serviced accommodation properties.

AI-Powered
Free to use
Step 1 of 5Property

Property Details

Enter the purchase price and deposit

Loan Amount£262,500
LTV75%

SA mortgages typically require 25%+ deposit (75% max LTV)

About the SA Finance Calculator

What it does and how it helps you

The SA Finance Calculator helps UK serviced accommodation investors model mortgage affordability, ICR stress tests, and cashflow projections for holiday let and SA properties.

ICR stress test at 7.5%
Cash-on-cash return calculation
Breakeven occupancy analysis
Interest-only mortgage payments

How It Works

Understanding the calculation method

1. Enter property value and deposit 2. Add projected ADR, occupancy, and operating costs 3. Set mortgage terms and interest rate 4. See ICR stress test, cashflow, and returns

When to use this calculator

Use this calculator when assessing SA property purchases, comparing different deposit levels, or understanding lender ICR requirements for serviced accommodation mortgages.

Frequently Asked Questions

Common questions about this calculator

Most SA lenders require 145% ICR at a stressed rate (typically 7.5%). This means your projected rental income must cover mortgage interest by 1.45x.
SA mortgages typically require 25-30% deposit (70-75% LTV). Some specialist lenders offer 80% LTV but at higher rates.