7.35% Rent by the room return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
Monthly profit −£306/mo — significantly negative — real recurring drain
-2.7% 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.
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
−£306/mo
You top up £306/mo
Price vs market
Above comparable sales
+19% vs 12 sold
Return · IRR
-2.7%/yr
Loses money over 5 years
Cash to get in
£149K
Deposit + fees + refurb
Price £375KReturn before costson price · Rent by the room7.35%5-yr return on cash -6%Rent est. £1,754 (£1,710–£1,799)
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: £1,710–£1,799/mo · n=19
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £281,250 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)£149,483
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
AVAILABLE TO INVESTORS ONLY, WITH TENANTS IN SITU GENERATING £33,600 PER ANNUM.
Situated within comfortable walking distance of the University of East Anglia, this well-presented four bedroom semi-detached house offers an excellent investment opportunity. The property is fully let and currently generates an annual income of £33,600, making it ideally suited to investors seeking a ready-made rental asset.
The accommodation is arranged over two floors and has been thoughtfull…
5.61% Return before costs — around the area average for this property type.
Monthly profit −£306/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£375K
19% above sold comps
Return before costs (best)
7.35%
Rent by the room
Bedrooms
4
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 (£)
Local comp range: £1,710–£1,799/mo · n=19
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £281,250 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) context325 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Central Norfolk & Norwich · cap £1,147/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Central Norfolk & Norwich
LHA monthly cap:
£1,147
Scheme type:
PSL
Premium:
+0% 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
£21,048
£5,635
£18,281
£0
£0
-£2,868
-£2,868
Year 2
£21,679
£5,804
£18,281
£0
£0
-£2,406
-£5,274
Year 3
£22,330
£5,978
£18,281
£0
£0
-£1,929
-£7,203
Year 4
£23,000
£6,157
£18,281
£0
£0
-£1,439
-£8,642
Year 5
£23,690
£6,342
£18,281
£0
£0
-£933
-£9,575
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
Conversion£34,000
If converted
Gross / mo£2,297
Gross Rent by the room yield7.35%
What we verified
12 total
5007
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
Wide · CV 26.2%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£3,656
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£9,575
Acquisition costs
£149K
25% deposit£93,750
Stamp duty£27,500
Refurb£19,458
Legal + survey£2,150
Mortgage + broker£6,625
Cash needed£149,483
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
AVAILABLE TO INVESTORS ONLY, WITH TENANTS IN SITU GENERATING £33,600 PER ANNUM.
Situated within comfortable walking distance of the University of East Anglia, this well-presented four bedroom semi-detached house offers an excellent investment opportunity. The property is fully let and currently generates an annual income of £33,600, making it ideally suited to investors seeking a ready-made rental asset.
The accommodation is arranged over two floors and has been thoughtfull…