Seasonal Income, Annual Costs

Modelling a holiday let honestly across a full year

Multiplying a summer nightly rate by a full year is the quick sum that misleads most holiday-let investors. This book teaches you to model a specific holiday let honestly across twelve months, through the peak, the shoulder seasons and the quiet weeks of winter, after every cost and after tax. It picks out the numbers that matter and shows where to find reliable data for free, from competitors' live calendars and the free glimpses offered by paid tools to official sources and conversations with owners. You will build income with honest occupancy, deduct platform fees before counting anything as yours and allow for the ramp-up, then add the full cost stack. The model is stress-tested against a bad summer, a deeper off-season, a rate rise, a platform or regulatory change and a big repair. A complete worked example runs from finance to the after-tax result and shows how the FHL abolition changed it. Next in this series: “Tax After FHL, Plus Planning and Registration”.

What’s inside

• The only numbers that actually matter
• Where to find reliable local data for free
• Working out true income, not optimistic income
• The full cost stack nobody mentions
• Stress-testing for the bad month, the void, the rate rise
• A complete worked example, start to finish
• Your deal calculator, and the legal questions it cannot answer

Educational material only, not financial, legal or tax advice. Results are not typical and are not a guarantee of income. Freedom Property Academy LTD, registered in England and Wales.