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Year 5 disposal
BMV -4%
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41/ 100
Caution
Real 8.51% return before costs but flagged risks need pricing in.
Why it works
- Monthly profit +£242/mo from completion — the no.1 reason to invest
- 8.51% return before costs — above-market
- Priced below market -4% vs 12 nearby sold (last 12 mo) — instant equity
- 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
+£242/mo
Pays you every month, net of costs
Price vs market
Below market value
-4% vs 12 sold · interior unseen
Return · IRR
1.7%/yr
Modest annualised return
Cash left in
£142K
Stays in after refinancing at value
Price £400KCash to buy £156KReturn before costs on price 8.51%5-yr return on cash 17%Rent est. £2,836 (£2,569–£3,131)
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).
What-if calculator
Rates as of 20 May 2026Buy-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: £2,569–£3,131/mo · n=64
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£12,326–£23,009 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £300,000 loan + £1,000 booking fee
Running costs
Management10%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£242
after mortgage, operating costs & tax
Rent in£2,836/mo gross
£2,727/mo collected · £109/mo lost to voids
Where it goes
£1,625Mortgage£803Costs
£242/mo left as profit · 9% of rent kept
Mortgage£1,625
Costs£803
Management£284
Maintenance£67
Insurance£40
CapEx reserve£142
Voids + council tax£9
Service charge + ground rent£158
Ltd co. accounts£104
Tax£57
Profit+£242
Returns
Return before costs on price8.51%
Cash return on cash1.86%
Gross margin£1,924
Cash needed£155,960
Monthly profit payback53y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.68
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
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 | £34,032 | £9,638 | £19,500 | £0 | £930 | £3,964 | £3,964 |
| Year 2 | £35,053 | £9,927 | £19,500 | £0 | £1,069 | £4,557 | £8,520 |
| Year 3 | £36,105 | £10,225 | £19,500 | £0 | £1,212 | £5,167 | £13,687 |
| Year 4 | £37,188 | £10,532 | £19,500 | £0 | £1,360 | £5,796 | £19,483 |
| Year 5 | £38,303 | £10,848 | £19,500 | £0 | £1,512 | £6,443 | £25,926 |
Disposal gain (gross)-£18,368
CGT£0
Net Disposal proceeds£430,592
What we verified
What we verified
32073 ok · 2 caution · 0 fail · 7 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
Rates as of May 2026
Building condition
Energy ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →HeritageNot 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.
Area
Flood riskChecking…
FloodriskEA
Crime riskChecking…
Crimeriskpolice.uk
SchoolsChecking…
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortTW2 5BU · 3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 13.6 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Heuristic from postcode + bedrooms + nearest-university distance · verify locally
Refurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 1-bath · 684 sqft · London ×1.4
£25k–£49k
£ per sqft
building cost only
£37–£72
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£6,840–£12,312
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£9,576–£17,784
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
Price & sale history347d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£265,000 in 2012 → £400,000 asking
+50.9%in 14y
- 2012£265,000—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Rent it out wins — +£242/mo · level with Refurb & refinance
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| ⭐ Rent it out | 8.51% | +£242 | £155,960 | 16.6% | Low | Feasible |
| Housing-benefit rent | 5.38% | -£660 | £155,960 | -17.4% | Med | Feasible |
| Council lease | 5.38% | -£289 | £155,960 | -7.9% | Low | Feasible |
| Refurb & refinance | 8.51% | +£242 | £182,534 | 14.2% | Med | Feasible |
| Short-stay let / Airbnb | 4.41% | -£1,235 | £155,960 | -46.3% | High | Feasible |
| Buy, improve & sell | 0.00% | -£369 | £455,534 | 5% | Med | Feasible |
| Rent by the room | 7.53% | -£1,876 | £185,960 | -54.3% | — | Feasible |
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer South West London · cap £1,795/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South West London
- LHA monthly cap:
- £1,795
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- Management:
- management covered by council
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 impact
Local lettings demanddays-to-let · supply now · trend
Local lettings demandby strategyLive area data
Short-stay let25% occupancy
£196/night ADR
Based on 4 short-let comps nearby
Rent by the room conversion upside
-£984/mo cash flow vs Rent it out if converted to Rent by the room
7.20% Return before costs on price converted vs 8.51% as-is
Room mix (3 lettable rooms)
3× Double @ £836/mo
≈ £2,509/mo gross room income
As-is Rent it out
Monthly profit+£434
Return before costs on price8.51%
Cash needed£111,898
If converted to Rent by the room
Monthly profit-£550
Return before costs on price7.20%
Cash needed£127,898
Δ vs Rent it out Monthly profit-£984
Show conversion detail
Conversion cost estimate
£67,200
Range: £58,800 – £78,400
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£47,736–£89,484full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£3,420–£6,156
- Replumb£2,736–£5,472
- Windows£7,524–£13,680
- Paint + decor£6,840–£12,312
- Flooring£9,576–£17,784
Based on 656 HMO comps within 611 m
Comparables
sold within 0.5 miWide · CV 18.2%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodTrafalgar Infant SchoolPrimary · Community school · TW2 5EH
- GoodTrafalgar Junior SchoolPrimary · Community school · TW2 5EG
- Not ratedThe Mall SchoolNot applicable · Other independent school · TW2 5NQ
- Not ratedArchdeacon Cambridge's Church of England Primary SchoolPrimary · Voluntary aided school · TW2 5TU
- Not ratedSt James's Catholic Primary SchoolPrimary · Voluntary aided school · TW2 5NP
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
Annual gross rent£34,032
Section 24 credit£0
Annual tax due£930
Post-tax Monthly profit annual£2,655
Exit costs
Projected sale price (5y · 2%/yr growth)£441,632
Capital gain (pre-CGT)£41,632
Sale costs (~2.5%)£11,041
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 profit after CGT£25,926
Rates as of Oct 2024
Acquisition costs
£155,960cash neededPurchase price£400,000
Deposit (25%)£100,000
Stamp duty+5% additional-property surcharge£30,000
Refurb£16,435
Legal + survey£2,525
Mortgage fees£7,000
Total cash neededdeposit + costs (loan covers the rest)£155,960
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Churchview Court is a private development of apartments in a popular cul-de-sac close to Twickenham Green.
This ground-floor apartment provides well-planned living spaces, including a good size living/dining room, a modern kitchen, three bedrooms, a bathroom and a large communal garden.
Located within walking distance of Twickenham Green with a variety of shops, popular bars and restaurants. There are good transport links in the area, with Strawberry Hill, Whitton & Fulwell…
Floor plans
Nearby active comparables5 deals
Comparable rentals
TW2 · same beds + typeNo nearby rentals matched on postcode prefix + bedrooms + property type.
Listing metarightmove · Chase Buchanan
About this listing
347 days · RightmovePrice history
5-year price trend
Monthly profit
+£242
Cash needed
£156K
Return after costs
1.86%
IRR
1.69%
Listed 347d ago
Churchview Road, Twickenham
flat · 3 bed · 1 bath · 684 sqft
£400,000
est £2,836 · 8.51% gross
Priced below market
1 / 11
41/100
Caution
8.51% — verify the rent + comps locally.
Priced below market -4% vs 12 nearby sold (last 12 mo)
Monthly profit +£242/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.51% Return before costs — above-market
Price
£400K
4% below sold comps
Return before costs
8.51%
est rent £2,836/monot enough comparablesRange £2,569–£3,131/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
—
Energy rating
Run the numbers
What-if calculator
Rates as of 20 May 2026Buy-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: £2,569–£3,131/mo · n=64
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£12,326–£23,009 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £300,000 loan + £1,000 booking fee
Running costs
Management10%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£242
after mortgage, operating costs & tax
Rent in£2,836/mo gross
£2,727/mo collected · £109/mo lost to voids
Where it goes
£1,625Mortgage£803Costs
£242/mo left as profit · 9% of rent kept
Mortgage£1,625
Costs£803
Management£284
Maintenance£67
Insurance£40
CapEx reserve£142
Voids + council tax£9
Service charge + ground rent£158
Ltd co. accounts£104
Tax£57
Profit+£242
Returns
Return before costs on price8.51%
Cash return on cash1.86%
Gross margin£1,924
Cash needed£155,960
Monthly profit payback53y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.68
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer South West London · cap £1,795/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South West London
- LHA monthly cap:
- £1,795
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- Management:
- management covered by council
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 | £34,032 | £9,638 | £19,500 | £0 | £930 | £3,964 | £3,964 |
| Year 2 | £35,053 | £9,927 | £19,500 | £0 | £1,069 | £4,557 | £8,520 |
| Year 3 | £36,105 | £10,225 | £19,500 | £0 | £1,212 | £5,167 | £13,687 |
| Year 4 | £37,188 | £10,532 | £19,500 | £0 | £1,360 | £5,796 | £19,483 |
| Year 5 | £38,303 | £10,848 | £19,500 | £0 | £1,512 | £6,443 | £25,926 |
Rent by the room upside
What we verified
6107
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
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
Service chargeReduces net yield£1,900/yr
Ground rentDoubling clauses kill mortgageability£0.01/yr
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 18.2%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,900
Annual rental tax£681
CGT yr 5£0 · company level
5y net total£25,926
Acquisition costs
25% deposit£100,000
Stamp duty£30,000
Refurb£16,435
Legal + survey£2,525
Mortgage + broker£7,000
Cash needed£155,960
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Description& agent copyRightmove
Churchview Court is a private development of apartments in a popular cul-de-sac close to Twickenham Green.
This ground-floor apartment provides well-planned living spaces, including a good size living/dining room, a modern kitchen, three bedrooms, a bathroom and a large communal garden.
Located within walking distance of Twickenham Green with a variety of shops, popular bars and restaurants. There are good transport links in the area, with Strawberry Hill, Whitton & Fulwell…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice