Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
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
+£686/mo
Pays you every month, net of costs
Price
£180K
No local sold comps to compare
Return · IRR
9.5%/yr
Solid annualised return
Cash to get in
£87K
Deposit + fees + refurb
Return before costson price · Housing-benefit rent8.98%5-yr return on cash 58%Rent est. £2,186
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 (£)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£16,215–£30,268 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 loan + £1,000 booking fee
Cladding safety certificateNot stated on the listingHeritageNot stated on the listing
Heritage& planning constraintsHES 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)£87,120
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
DESCRIPTION
The Golden Fry is a popular fish & chip shop and takeaway, with a strong reputation, situated in a prominent trading location with a frontage on to the high street of Aberchirder. The business is very convenient for customer access with ample parking in the square and on the main road. This late Victorian building has a significant footprint plus excellent garden. The trading aspects are all located on the ground floor with an attractive servery and ample service…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
£180K
Return before costs (best)
8.98%
Housing-benefit rent
Bedrooms
4
— 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 (£)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£16,215–£30,268 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 loan + £1,000 booking fee
Short-let (SA) context243 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £1,247/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Aberdeen and Shire
LHA monthly cap:
£1,247
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
£26,232
£6,287
£8,775
£0
£2,122
£9,048
£9,048
Year 2
£27,019
£6,476
£8,775
£0
£2,236
£9,532
£18,580
Year 3
£27,830
£6,670
£8,775
£0
£2,353
£10,031
£28,611
Year 4
£28,664
£6,870
£8,775
£0
£2,474
£10,545
£39,156
Year 5
£29,524
£7,076
£8,775
£0
£2,598
£11,075
£50,231
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
4107
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCPostcode estimate — check the registerNot stated on the listing
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 heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 10/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,755
Annual rental tax£1,931
CGT yr 5£0 · company level
5y net total£50,231
Acquisition costs
£87K
25% deposit£45,000
Stamp duty£15,100
Refurb£21,620
Legal + survey£1,700
Mortgage + broker£3,700
Cash needed£87,120
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
DESCRIPTION
The Golden Fry is a popular fish & chip shop and takeaway, with a strong reputation, situated in a prominent trading location with a frontage on to the high street of Aberchirder. The business is very convenient for customer access with ample parking in the square and on the main road. This late Victorian building has a significant footprint plus excellent garden. The trading aspects are all located on the ground floor with an attractive servery and ample service…