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Year 5 disposal
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11/ 100
Weak
3.99% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- 3.99% return — below most lender Rent-covers-mortgage checks
- Monthly profit −£739/mo — heavily negative — needs monthly capital injection
- -6.7% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£739/mo
You top up £739/mo
Price
£390K
No local sold comps to compare
Return · IRR
-6.7%/yr
Loses money over 5 years
Cash to get in
£146K
Deposit + fees + refurb
Return before costs on price 3.99%5-yr return on cash -26%Rent est. £1,296 (£1,201–£1,399)
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: £1,201–£1,399/mo · n=71
Financing
DepositYour cash in — the rest is the mortgage25% · £97,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £292,500 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 £200K–£400K
Maintenance (£/mo)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£739
after mortgage, operating costs & tax
Rent in£1,296/mo gross
£1,246/mo collected · £50/mo lost to voids
Where it goes
£1,584Mortgage£401Costs
Outgoings exceed rent — you top up £739/mo
Mortgage£1,584
Costs£401
Management£130
Maintenance£67
Insurance£28
CapEx reserve£65
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£739
Returns
Return before costs on price3.99%
Cash return on cash-6.06%
Gross margin£845
Cash needed£146,264
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.79
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 | £15,552 | £4,810 | £19,013 | £0 | £0 | -£8,271 | -£8,271 |
| Year 2 | £16,019 | £4,955 | £19,013 | £0 | £0 | -£7,949 | -£16,219 |
| Year 3 | £16,499 | £5,103 | £19,013 | £0 | £0 | -£7,617 | -£23,836 |
| Year 4 | £16,994 | £5,256 | £19,013 | £0 | £0 | -£7,275 | -£31,111 |
| Year 5 | £17,504 | £5,414 | £19,013 | £0 | £0 | -£6,923 | -£38,033 |
Disposal gain (gross)-£12,087
CGT£0
Net Disposal proceeds£419,827
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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
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 cohortSO43 7EW · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Southampton · 14.4 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
2-bed · 2-bath · 810 sqft
£25k–£49k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history246d on marketno cuts yet
Strategy matrix
Rent it out wins — -£739/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 | 3.99% | -£739 | £146,264 | -26.0% | Low | Feasible |
| Housing-benefit rent | 2.69% | -£1,141 | £146,264 | -42.7% | Med | Feasible |
| Council lease | 2.69% | -£954 | £146,264 | -37.5% | Low | Feasible |
| Refurb & refinance | 3.99% | -£739 | £170,070 | -22.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £436,220 | 7% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Southampton · cap £873/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Southampton
- LHA monthly cap:
- £873
- Scheme type:
- PSL
- Premium:
- +0% 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
+£164/mo cash flow vs Rent it out if converted to Rent by the room
7.38% Return before costs on price converted vs 3.99% as-is
As-is Rent it out
Monthly profit-£675
Return before costs on price3.99%
Cash needed£109,398
If converted to Rent by the room
Monthly profit-£511
Return before costs on price7.38%
Cash needed£125,398
Δ vs Rent it out Monthly profit+£164
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
£40,000
Range: £34,000 – £48,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,390–£90,830full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- Not ratedClay Hill SchoolNot applicable · Other independent special school · SO43 7DE
- Not ratedCoxlease SchoolNot applicable · Other independent special school · SO43 7DE
- Not ratedMinstead Training ProjectNot applicable · Miscellaneous · SO43 7FT
- Not ratedNew Forest Small School LtdNot applicable · Other independent school · SO43 7BU
- Not ratedSt Michael and All Angels CofE Infant SchoolPrimary · Voluntary aided school · SO43 7BB
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£15,552
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£8,869
Exit costs
Projected sale price (5y · 2%/yr growth)£430,592
Capital gain (pre-CGT)£40,592
Sale costs (~2.5%)£10,765
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-£38,033
Rates as of Oct 2024
Acquisition costs
£146,264cash neededPurchase price£390,000
Deposit (25%)£97,500
Stamp duty+5% additional-property surcharge£29,000
Refurb£10,764
Legal + survey£2,150
Mortgage fees£6,850
Total cash neededdeposit + costs (loan covers the rest)£146,264
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
A beautifully converted barn, perfectly positioned in the heart of the village and within easy walking distance of all local amenities. This stunning property has undergone an extensive, sensitive scheme of renovation and now offers a stylish and contemporary home arranged across one level.
The standout feature is undoubtedly the impressive open plan kitchen and living area, complete with a vaulted ceiling that creates a wonderful sense of space and character reminiscent of…
Floor plans
Listing metarightmove · Fells Gulliver
About this listing
246 days · RightmovePrice history
5-year price trend
Monthly profit
−£739
Cash needed
£146K
Return after costs
-6.06%
IRR
-6.72%
Listed 246d ago
Church Lane, Lyndhurst, Southampton, SO43
character property · 2 bed · 2 bath
£390,000
est £1,296 · 3.99% gross
1 / 27
11/100
Marginal
3.99% — verify the rent + comps locally.
3.99% Return before costs — around the area average for this property type.
Monthly profit −£739/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£390K
Return before costs
3.99%
est rent £1,296/monot enough comparablesRange £1,201–£1,399/mo (Q1–Q3)
Bedrooms
2
2 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: £1,201–£1,399/mo · n=71
Financing
DepositYour cash in — the rest is the mortgage25% · £97,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £292,500 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 £200K–£400K
Maintenance (£/mo)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£739
after mortgage, operating costs & tax
Rent in£1,296/mo gross
£1,246/mo collected · £50/mo lost to voids
Where it goes
£1,584Mortgage£401Costs
Outgoings exceed rent — you top up £739/mo
Mortgage£1,584
Costs£401
Management£130
Maintenance£67
Insurance£28
CapEx reserve£65
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£739
Returns
Return before costs on price3.99%
Cash return on cash-6.06%
Gross margin£845
Cash needed£146,264
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.79
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Southampton · cap £873/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Southampton
- LHA monthly cap:
- £873
- 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 | £15,552 | £4,810 | £19,013 | £0 | £0 | -£8,271 | -£8,271 |
| Year 2 | £16,019 | £4,955 | £19,013 | £0 | £0 | -£7,949 | -£16,219 |
| Year 3 | £16,499 | £5,103 | £19,013 | £0 | £0 | -£7,617 | -£23,836 |
| Year 4 | £16,994 | £5,256 | £19,013 | £0 | £0 | -£7,275 | -£31,111 |
| Year 5 | £17,504 | £5,414 | £19,013 | £0 | £0 | -£6,923 | -£38,033 |
Rent by the room upside
What we verified
3207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
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
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,803
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£38,033
Acquisition costs
25% deposit£97,500
Stamp duty£29,000
Refurb£10,764
Legal + survey£2,150
Mortgage + broker£6,850
Cash needed£146,264
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
A beautifully converted barn, perfectly positioned in the heart of the village and within easy walking distance of all local amenities. This stunning property has undergone an extensive, sensitive scheme of renovation and now offers a stylish and contemporary home arranged across one level.
The standout feature is undoubtedly the impressive open plan kitchen and living area, complete with a vaulted ceiling that creates a wonderful sense of space and character reminiscent of…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice