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Year 5 disposal
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Weak
4.69% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
- EPC B — MEES compliant
Why to be cautious
- 3.66% return — below most lender Rent-covers-mortgage checks
- Monthly profit −£1,367/mo — heavily negative — needs monthly capital injection
- -7.3% 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 vs market
Above comparable sales
+135% vs 12 sold
Return · IRR
-7.3%/yr
Loses money over 5 years
Cash to get in
£290K
Deposit + fees + refurb
Price £700KReturn before costs on price · Rent by the room 4.69%5-yr return on cash -25%Rent est. £2,137 (£1,995–£2,289)
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: £1,995–£2,289/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £175,000
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 (£25,230–£47,096 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £525,000 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£1,367
after mortgage, operating costs & tax
Rent in£2,137/mo gross
£2,055/mo collected · £82/mo lost to voids
Where it goes
£2,844Mortgage£578Costs
Outgoings exceed rent — you top up £1,367/mo
Mortgage£2,844
Costs£578
Management£214
Maintenance£100
Insurance£40
CapEx reserve£107
Voids + council tax£13
Ltd co. accounts£104
Tax—
Shortfall−£1,367
Returns
Return before costs on price3.66%
Cash return on cash-5.65%
Gross margin£1,477
Cash needed£290,490
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.72
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 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 | £25,644 | £6,932 | £34,125 | £0 | £0 | -£15,413 | -£15,413 |
| Year 2 | £26,413 | £7,140 | £34,125 | £0 | £0 | -£14,852 | -£30,265 |
| Year 3 | £27,206 | £7,354 | £34,125 | £0 | £0 | -£14,274 | -£44,538 |
| Year 4 | £28,022 | £7,575 | £34,125 | £0 | £0 | -£13,678 | -£58,216 |
| Year 5 | £28,863 | £7,802 | £34,125 | £0 | £0 | -£13,065 | -£71,281 |
Disposal gain (gross)-£50,455
CGT£0
Net Disposal proceeds£753,535
What we verified
What we verified
60066 ok · 0 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
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 ratingB
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand B
MEES 2030 compliance
C required for new tenancies
PASS
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
HeritageNot stated on the listing
Heritage& planning constraintsCADW 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
Wales uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileFamily let
Tenant profilelikely cohortSA3 1AN · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Cardiff University · 71 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 4-bath · 2271 sqft
£58k–£112k
£ per sqft
building cost only
£26–£50
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 4 × bathroom · Full strip + retile£13,300–£26,600
- Paint + decor£15,897–£29,523
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£24,981–£47,691
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Check council
The council's HMO page lists the current mandatory fee plus any additional / selective scheme that catches smaller HMOs.
Mandatory licensing applies to 5+ sharer HMOs (Housing Act 2004)
Find council HMO page →Price & sale history322d on marketno cuts yet
Strategy matrix
Council lease wins — -£1,058/mo · £309/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 3.66% | -£1,367 | £290,490 | -24.5% | Low | Feasible |
| Housing-benefit rent | 1.40% | -£2,498 | £290,490 | -49.8% | Med | Feasible |
| ⭐ Council lease | 3.66% | -£1,058 | £290,490 | -19.6% | Low | Feasible |
| Refurb & refinance | 3.66% | -£1,367 | £338,946 | -21.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£244 | £817,446 | 3% | Med | Feasible |
| Rent by the room | 4.69% | -£2,902 | £324,490 | -49.5% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £818/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swansea
- LHA monthly cap:
- £818
- Scheme type:
- leasing
- Premium:
- +800% premium over LHA cap
- Typical lease:
- 0 years lease
- 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
Rent by the room conversion upside
-£519/mo cash flow vs Rent it out if converted to Rent by the room
4.11% Return before costs on price converted vs 3.66% as-is
Room mix (4 lettable rooms)
4× Double @ £684/mo
≈ £2,735/mo gross room income
As-is Rent it out
Monthly profit-£1,203
Return before costs on price3.66%
Cash needed£186,898
If converted to Rent by the room
Monthly profit-£1,722
Return before costs on price4.11%
Cash needed£202,898
Δ vs Rent it out Monthly profit-£519
Show conversion detail
Conversion cost estimate
£22,000
Range: £16,000 – £30,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£110,925–£206,695full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 4 × bathroom£22,800–£41,800
- Rewire£9,084–£15,897
- Replumb£6,813–£13,626
- Windows£22,710–£40,878
- Paint + decor£15,897–£29,523
- Flooring£24,981–£47,691
Based on 4 HMO comps within 10.8 km
Comparables
sold within 0.5 miWide · CV 28.7%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- Not ratedKnelston Primary SchoolNot applicable · Welsh establishment · SA3 1AR
- Not ratedLlanrhidian Primary SchoolNot applicable · Welsh establishment · SA3 1EH
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£25,644
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£16,399
Exit costs
Projected sale price (5y · 2%/yr growth)£772,857
Capital gain (pre-CGT)£72,857
Sale costs (~2.5%)£19,321
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-£71,281
Rates as of Oct 2024
Acquisition costs
£290,490cash neededPurchase price£700,000
Deposit (25%)£175,000
Stamp duty+4% higher-rate surcharge£67,450
Refurb£33,640
Legal + survey£2,900
Mortgage fees£11,500
Total cash neededdeposit + costs (loan covers the rest)£290,490
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Exceptional four-bedroom detached home situated in the sought-after village of Reynoldston, set in the heart of the Gower Peninsula AONB. Occupying a private plot bordered by open fields and shared with just one neighbouring property, Compass Cottage delivers spectacular open countryside views, private gated access, and a genuine sense of seclusion that is increasingly hard to find on the Peninsula.
Briefly comprising open-plan lounge/kitchen/diner, sitting room, shower room…
Floor plans
Nearby active comparables2 rentals · 5 deals
Comparable rentals
SA3 · same beds + typeMedian nearby: £383,250/mo · 2 of 2 already let+£381,113 vs our est
- Southerndown Avenue, Mayals, Swansea…Let4b£765,000/moMay 2026
- Radyr Avenue, Swansea SA3Let4b£1,500/moJun 2025
Listing metarightmove · The Anderson Group, powered by eXp
About this listing
322 days · RightmovePrice history
5-year price trend
Monthly profit
−£1,367
Cash needed
£290K
Return after costs
-5.65%
IRR
-7.26%
Listed 322d ago
Compass Cottage, Reynoldston, Gower, Swansea, SA3 1AN
detached · 4 bed · 4 bath · 2,271 sqft
£700,000
est £2,137 · 3.66% gross
EPC B
1 / 46
0/100
Marginal
4.69% Rent by the room strategy — market rent unverified, verify locally.
3.66% Return before costs — around the area average for this property type.
Monthly profit −£1,367/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating B — Min. energy standard 2030 compliant.
Price
£700K
135% above sold comps
Return before costs (best)
4.69%
Rent by the room
Bedrooms
4
4 bath
Energy rating
B
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: £1,995–£2,289/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £175,000
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 (£25,230–£47,096 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £525,000 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£1,367
after mortgage, operating costs & tax
Rent in£2,137/mo gross
£2,055/mo collected · £82/mo lost to voids
Where it goes
£2,844Mortgage£578Costs
Outgoings exceed rent — you top up £1,367/mo
Mortgage£2,844
Costs£578
Management£214
Maintenance£100
Insurance£40
CapEx reserve£107
Voids + council tax£13
Ltd co. accounts£104
Tax—
Shortfall−£1,367
Returns
Return before costs on price3.66%
Cash return on cash-5.65%
Gross margin£1,477
Cash needed£290,490
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.72
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £818/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swansea
- LHA monthly cap:
- £818
- Scheme type:
- leasing
- Premium:
- +800% premium over LHA cap
- Typical lease:
- 0 years lease
- 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 | £25,644 | £6,932 | £34,125 | £0 | £0 | -£15,413 | -£15,413 |
| Year 2 | £26,413 | £7,140 | £34,125 | £0 | £0 | -£14,852 | -£30,265 |
| Year 3 | £27,206 | £7,354 | £34,125 | £0 | £0 | -£14,274 | -£44,538 |
| Year 4 | £28,022 | £7,575 | £34,125 | £0 | £0 | -£13,678 | -£58,216 |
| Year 5 | £28,863 | £7,802 | £34,125 | £0 | £0 | -£13,065 | -£71,281 |
Rent by the room upside
What we verified
6006
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingB
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
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 28.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£6,825
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£71,281
Acquisition costs
25% deposit£175,000
Stamp duty£67,450
Refurb£33,640
Legal + survey£2,900
Mortgage + broker£11,500
Cash needed£290,490
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
Exceptional four-bedroom detached home situated in the sought-after village of Reynoldston, set in the heart of the Gower Peninsula AONB. Occupying a private plot bordered by open fields and shared with just one neighbouring property, Compass Cottage delivers spectacular open countryside views, private gated access, and a genuine sense of seclusion that is increasingly hard to find on the Peninsula.
Briefly comprising open-plan lounge/kitchen/diner, sitting room, shower room…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice