Real 17.43% return before costs with manageable risks.
Why it works
17.43% return before costs — above-market
Priced below market -54% vs 12 nearby sold (last 12 mo) — instant equity
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Long lease (250 yrs) — no short-lease drag
Why to be cautious
Service charge unknown — could swing £100-300/mo
EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£105/mo
Barely breaks even each month
Price vs market
Below market value
-54% vs 12 sold · interior unseen
Return · IRR
4.0%/yr
Modest annualised return
Cash left in
£0
Fully recycled — pull all your cash back out
Price £65KCash to buy £30KReturn before costson price17.43%5-yr return on cash 31%Rent est. £944 (£855–£1,042)
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 May 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 (£)
Local comp range: £855–£1,042/mo · n=112
Financing
DepositYour cash in — the rest is the mortgage25% · £16,250
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 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £48,750 loan + £1,000 booking fee
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.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history694d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Council lease wins — +£140/mo · £35/mo ahead of Rent it out
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
17.43%
+£105
£29,892
31.4%
Low
Feasible
Housing-benefit rent
10.14%
-£229
£29,892
-36.6%
Med
Feasible
⭐ Council lease
17.43%
+£140
£29,892
32.5%
Low
Feasible
Refurb & refinance
17.43%
+£105
£35,709
26.3%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£365
£79,234
-3%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA West Cheshire · cap £549/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
West Cheshire
LHA monthly cap:
£549
Scheme type:
other
Premium:
+700% premium over LHA cap
Typical lease:
0 years lease
Management:
landlord pays agent (typical 10%)
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£364/mo cash flow vs Rent it out if converted to Rent by the room
44.31% Return before costs on price converted vs 17.43% as-is
As-is Rent it out
Monthly profit+£251
Return before costson price17.43%
Cash needed£28,148
If converted to Rent by the room
Monthly profit+£615
Return before costson price44.31%
Cash needed£44,148
Δ vs Rent it outMonthly profit+£364
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Comparables
sold within 0.5 mi
Wide · CV 47.9%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
Transport score100 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Tax treatment
£1,182/yr kept
Annual gross rent£11,328
Section 24 credit£0
Annual tax due£379
Post-tax Monthly profitannual£1,182
Exit costs
£9,380 after CGT
Projected sale price (5y · 2%/yr growth)£71,765
Capital gain (pre-CGT)£6,765
Sale costs (~2.5%)£1,794
CGT due (Ltd Co 25%)£0
No personal CGT — the gain is taxed at the company level (corporation tax) when the SPV disposes of the property.
Net 5y Monthly profitafter CGT£9,380
Rates as of Oct 2024
Acquisition costs
£29,892cash needed
Purchase price£65,000
Deposit (25%)£16,250
Stamp duty+5% additional-property surcharge£3,250
Refurb£6,417
Legal + survey£2,000
Mortgage fees£1,975
Total cash neededdeposit + costs (loan covers the rest)£29,892
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Trinity Hall is a purpose-built, fully managed student development in Chester city centre.
Trinity Halls offers students high-quality accommodation at an affordable price, which ensures strong demand for the studio units each year. The development is block managed by Cloud Student Homes, ensuring this is a genuinely 'hands-free' investment opportunity for investors seeking to capitalise on the growing demand for purpose-built student accommodation in Chester.
Priced below market -54% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
17.43% Return before costs — above-market
Price
£65K
54% below sold comps
Return before costs
17.43%
est rent £944/mo112 comps within 500 mRange £855–£1,042/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 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 (£)
Local comp range: £855–£1,042/mo · n=112
Financing
DepositYour cash in — the rest is the mortgage25% · £16,250
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 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £48,750 loan + £1,000 booking fee
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Wide · CV 47.9%Med confidence
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£634
Annual rental tax£297
CGT yr 5£0 · company level
5y net total£9,380
Acquisition costs
£30K
25% deposit£16,250
Stamp duty£3,250
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£1,975
Cash needed£29,892
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyRightmove
Trinity Hall is a purpose-built, fully managed student development in Chester city centre.
Trinity Halls offers students high-quality accommodation at an affordable price, which ensures strong demand for the studio units each year. The development is block managed by Cloud Student Homes, ensuring this is a genuinely 'hands-free' investment opportunity for investors seeking to capitalise on the growing demand for purpose-built student accommodation in Chester.