HMO or SA
Which Strategy Suits You?
Use this free 15-minute self-assessment to choose between an HMO (long-stay rooms) and serviced accommodation (short-stay) before you commit time, capital, or a deposit. Tick honestly, watch the scores update, and get a clear verdict with a recommended next step at the end. Your answers save in your browser.
HMO Score
0
SA Score
0
Answered
0 / 7
How it works: tick the option (or options) that best fit you. Your scores update as you go, and the verdict appears once all seven questions are answered.
Everything here is general guidance, drawn from real practice. It is not legal, financial, or contractual advice. Confirm current rules and figures for your own situation, and consult a property solicitor for anything material.
1Your Time2 questions
How many hours per week can you realistically give to the property?
Tick one
What are your hours typically like?
Tick one
2Your Capital2 questions
How much do you have available for setup, after a sensible buffer for living costs?
Tick one
How much float can you carry if the property runs at low occupancy for two months in a row?
Tick one
3Your Skills and BackgroundTick all that apply
Which of these describe you?
Tick all that apply. The more honestly you score yourself here, the more useful the verdict.
4Your AreaTick all that apply
Which describe your target area?
Tick all that apply. If you have not done the 20-Minute Area Check yet, run it before relying on the verdict.
5Your AppetiteTick all that apply
Which statements sound like you?
Tick the ones that feel true. No prizes for the version of yourself you wish you were.