Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
EPC D — must hit C by 2030 (~£3,000–£7,000)
Service charge unknown — could swing £100-300/mo
Floor area 495 sqft — small for the type
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£96/mo
Barely breaks even each month
Price
£125K
No local sold comps to compare
Return · IRR
2.8%/yr
Modest annualised return
Cash to get in
£46K
Deposit + fees + refurb
Return before costson price11.80%5-yr return on cash 22%Rent est. £1,229 (£1,168–£1,293)
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: £1,168–£1,293/mo · n=51
Financing
DepositYour cash in — the rest is the mortgage25% · £31,250
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 (£2,876–£5,368 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £93,750 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£1,562–£2,982
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history251d on market2 price changes
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£125,000 in 2026 → £125,000 asking
0.0%in 0y
2026£125,000+81.3% in 24y
2002£68,950+42.9% in 3y
1999£48,250—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Council lease wins — +£138/mo · £42/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
11.80%
+£96
£46,209
21.8%
Low
Feasible
Housing-benefit rent
6.46%
-£377
£46,209
-40.8%
Med
Feasible
⭐ Council lease
11.80%
+£138
£46,209
22.4%
Low
Feasible
Refurb & refinance
11.80%
+£96
£53,993
18.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£366
£138,618
6%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA West Cheshire · cap £673/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:
£673
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
+£177/mo cash flow vs Rent it out if converted to Rent by the room
23.04% Return before costs on price converted vs 11.80% as-is
As-is Rent it out
Monthly profit+£248
Return before costson price11.80%
Cash needed£43,148
If converted to Rent by the room
Monthly profit+£425
Return before costson price23.04%
Cash needed£59,148
Δ vs Rent it outMonthly profit+£177
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£19,924–£37,595full refurb + room split
What's in this cost
Kitchen£8,820–£17,640
1 × bathroom£5,850–£10,725
Rewire£568–£994
Replumb£426–£852
Windows£1,420–£2,556
Paint + decor£1,136–£1,846
Flooring£1,704–£2,982
Comparables
sold within 0.5 mi
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
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
Chester Blue Coat Church of England Primary School
Primary · Voluntary aided school · CH1 4HG
Good
University of Chester
Not applicable · Higher education institutions · CH1 4BJ
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£1,044/yr kept
Annual gross rent£14,748
Section 24 credit£0
Annual tax due£378
Post-tax Monthly profitannual£1,044
Exit costs
£10,082 after CGT
Projected sale price (5y · 2%/yr growth)£138,010
Capital gain (pre-CGT)£13,010
Sale costs (~2.5%)£3,450
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£10,082
Rates as of Oct 2024
Acquisition costs
£46,209cash needed
Purchase price£125,000
Deposit (25%)£31,250
Stamp duty+5% additional-property surcharge£6,250
Refurb£3,834
Legal + survey£2,000
Mortgage fees£2,875
Total cash neededdeposit + costs (loan covers the rest)£46,209
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Attention all Investors and First time buyers or a potential client searching for that easy to maintain ground floor flat, this is an ideal opportunity to acquire this two bedroom residence with NO ONWARD CHAIN INVOLVED offering the full benefits of electric heating, fitted modern style kitchen with a selection of eye level and base fitted units, modern three piece bathroom suite with fitted shower over and shower screen, generous sized lounge for a property of this type with…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
11.80% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£125K
Return before costs
11.80%
est rent £1,229/mo51 comps within 1.5 kmRange £1,168–£1,293/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £1,168–£1,293/mo · n=51
Financing
DepositYour cash in — the rest is the mortgage25% · £31,250
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 (£2,876–£5,368 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £93,750 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA West Cheshire · cap £673/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:
£673
Scheme type:
other
Premium:
+700% premium over LHA cap
Typical lease:
0 years lease
Management:
landlord pays agent (typical 10%)
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
£14,748
£6,665
£6,094
£0
£378
£1,612
£1,612
Year 2
£15,190
£6,865
£6,094
£0
£424
£1,808
£3,420
Year 3
£15,646
£7,071
£6,094
£0
£472
£2,010
£5,429
Year 4
£16,116
£7,283
£6,094
£0
£520
£2,219
£7,649
Year 5
£16,599
£7,501
£6,094
£0
£571
£2,433
£10,082
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
2406
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPC~£3,000–£7,000 to upgrade to CD
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
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£1,219
Annual rental tax£270
CGT yr 5£0 · company level
5y net total£10,082
Acquisition costs
£46K
25% deposit£31,250
Stamp duty£6,250
Refurb£3,834
Legal + survey£2,000
Mortgage + broker£2,875
Cash needed£46,209
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
Attention all Investors and First time buyers or a potential client searching for that easy to maintain ground floor flat, this is an ideal opportunity to acquire this two bedroom residence with NO ONWARD CHAIN INVOLVED offering the full benefits of electric heating, fitted modern style kitchen with a selection of eye level and base fitted units, modern three piece bathroom suite with fitted shower over and shower screen, generous sized lounge for a property of this type with…