-14.3% 5y IRR — capital outlay disproportionate to returns
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£1K/mo
You top up £1K/mo
Price
£290K
No local sold comps to compare
Return · IRR
-14.3%/yr
Loses money over 5 years
Cash to get in
£122K
Deposit + fees + refurb
Return before costson price · Rent by the room13.32%5-yr return on cash -68%
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 Jul 2026
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
LHA known but no BRMA rent comps — cannot estimate market rent
Financing
DepositYour cash in — the rest is the mortgage25% · £72,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-07-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Tiered estimate (cosmetic refurb): £14,355–£30,885 range from £/sqft + per-room model
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £217,500 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Cladding safety certificateNot stated on the listingHeritageNot stated on the listing
Heritage& planning constraintsNHLE register
We don't ingest the NHLE bulk register, so we can't flag listed-building or conservation-area status for this address from our data alone. Use the official registry to verify before exchanging.
Total cash neededdeposit + costs (loan covers the rest)£121,620
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary massive 5 bedroom family home! This hevily extended terrance really does have to be viewed to fully apprciate whats on offer! Having two bethrooms & ground floor W.C. This does not dissapoint! Two reception rooms and modern kitchen its just ready to move into call now! Description massive 5 bedroom family home! This hevily extended terrace really does have to be viewed to fully appreciate whats on offer! Having two bethrooms & ground floor W.C. This does not disappoin…
13.32%Rent by the room strategy — market rent unverified, verify locally.
13.3% Rent by the roomReturn before costs — conversion play
Monthly cashflow
−£1K/mo
You top up £1K/mo
Price
£290K
No local sold comps to compare
Return · IRR
-14.3%/yr
Loses money over 5 years
Cash to get in
£122K
Deposit + fees + refurb
Return before costson price · Rent by the room13.32%5-yr return on cash -68%
Bedrooms
5
3 bath
Energy rating
C
lettable now
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 Jul 2026
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
LHA known but no BRMA rent comps — cannot estimate market rent
Financing
DepositYour cash in — the rest is the mortgage25% · £72,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-07-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Tiered estimate (cosmetic refurb): £14,355–£30,885 range from £/sqft + per-room model
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £217,500 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Short-let (SA) context290 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
290 active short-let listings in this postcode
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
£0
£2,264
£14,138
£0
£0
-£16,401
-£16,401
Year 2
£0
£2,332
£14,138
£0
£0
-£16,469
-£32,871
Year 3
£0
£2,402
£14,138
£0
£0
-£16,539
-£49,410
Year 4
£0
£2,474
£14,138
£0
£0
-£16,611
-£66,022
Year 5
£0
£2,548
£14,138
£0
£0
-£16,686
-£82,707
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 bd
Conversion£2,000
If converted
Gross / mo£3,219
Gross Rent by the room yield13.32%
What we verified
12 total
6006
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingC
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,828
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£82,707
Acquisition costs
£122K
25% deposit£72,500
Stamp duty£19,000
Refurb£22,620
Legal + survey£2,150
Mortgage + broker£5,350
Cash needed£121,620
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Summary massive 5 bedroom family home! This hevily extended terrance really does have to be viewed to fully apprciate whats on offer! Having two bethrooms & ground floor W.C. This does not dissapoint! Two reception rooms and modern kitchen its just ready to move into call now! Description massive 5 bedroom family home! This hevily extended terrace really does have to be viewed to fully appreciate whats on offer! Having two bethrooms & ground floor W.C. This does not disappoin…