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Year 5 disposal
BMV -22%
⊞ View all 20
54/ 100
Caution
13.09% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.77% return before costs — above-market
- 13.1% Rent by the room return before costs (net 6.86% after CapEx + bills) — conversion play
- Priced below market -22% 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
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- 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
+£14/mo
Barely breaks even each month
Price vs market
Below market value
-22% vs 12 sold · interior unseen
Return · IRR
0.6%/yr
Modest annualised return
Cash left in
£38K
Stays in after refinancing at value
Price £180KCash to buy £76KReturn before costs on price · Rent by the room 13.09%5-yr return on cash 7%Rent est. £1,165 (£1,151–£1,179)
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: £1,151–£1,179/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£14
after mortgage, operating costs & tax
Rent in£1,165/mo gross
£1,120/mo collected · £45/mo lost to voids
Where it goes
£731Mortgage£372Costs
£14/mo left as profit · 1% of rent kept
Mortgage£731
Costs£372
Management£117
Maintenance£67
Insurance£20
CapEx reserve£58
Voids + council tax£6
Ltd co. accounts£104
Tax£3
Profit+£14
Returns
Return before costs on price7.77%
Cash return on cash0.22%
Gross margin£748
Cash needed£75,611
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.53
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 | £13,980 | £4,462 | £8,775 | £0 | £141 | £603 | £603 |
| Year 2 | £14,399 | £4,595 | £8,775 | £0 | £196 | £833 | £1,436 |
| Year 3 | £14,831 | £4,733 | £8,775 | £0 | £251 | £1,072 | £2,508 |
| Year 4 | £15,276 | £4,875 | £8,775 | £0 | £309 | £1,317 | £3,825 |
| Year 5 | £15,735 | £5,021 | £8,775 | £0 | £368 | £1,570 | £5,395 |
Disposal gain (gross)-£13,145
CGT£0
Net Disposal proceeds£193,766
What we verified
What we verified
51065 ok · 1 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 ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
Address-matched (ground truth)Band D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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 profileFamily let
Tenant profilelikely cohortPE7 1XD · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Cambridge · 42.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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 · 990 sqft
£25k–£49k
£ per sqft
building cost only
£25–£49
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
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 history243d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£82,500 in 2013 → £180,000 asking
+118.2%in 13y
- 2013£82,500—
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 — +£14/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 | 7.77% | +£14 | £75,611 | 7.1% | Low | Feasible |
| Housing-benefit rent | 5.39% | -£326 | £75,611 | -18.6% | Med | Feasible |
| Council lease | 0.00% | -£922 | £75,611 | -74.1% | Low | Feasible |
| Refurb & refinance | 7.77% | +£14 | £90,655 | 6.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£191 | £212,955 | 2% | Med | Feasible |
| Rent by the room | 13.09% | -£743 | £105,611 | -33.1% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
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
+£219/mo cash flow vs Rent it out if converted to Rent by the room
16.00% Return before costs on price converted vs 7.77% as-is
Room mix (3 lettable rooms)
3× Double @ £655/mo
≈ £1,964/mo gross room income
As-is Rent it out
Monthly profit+£32
Return before costs on price7.77%
Cash needed£56,898
If converted to Rent by the room
Monthly profit+£251
Return before costs on price16.00%
Cash needed£72,898
Δ vs Rent it out Monthly profit+£219
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,990–£92,080full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
Based on 5 HMO comps within 982 m
Comparables
sold within 0.5 miWide · CV 24.5%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodNew Road Primary & Nursery SchoolPrimary · Academy converter · PE7 1SZ
- Not ratedAlderman Jacobs SchoolPrimary · Academy converter · PE7 1XJ
- Not ratedPark Lane Primary & Nursery SchoolPrimary · Academy converter · PE7 1JB
- Not ratedSir Harry Smith Community CollegeSecondary · Academy converter · PE7 1XB
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£13,980
Section 24 credit£0
Annual tax due£141
Post-tax Monthly profit annual£65
Exit costs
Projected sale price (5y · 2%/yr growth)£198,735
Capital gain (pre-CGT)£18,735
Sale costs (~2.5%)£4,968
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£5,395
Rates as of Oct 2024
Acquisition costs
£75,611cash neededPurchase price£180,000
Deposit (25%)£45,000
Stamp duty+5% additional-property surcharge£10,100
Refurb£15,111
Legal + survey£1,700
Mortgage fees£3,700
Total cash neededdeposit + costs (loan covers the rest)£75,611
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
SUMMARY Established terraced house requiring updating throughout but is close to many local amenities. Offering a 17' living room, 17' kitchen/diner and three good size bedrooms. Benefitting from off road parking for several vehicles, good size rear garden and no onward chain.
DESCRIPTION Entrance hall
Living room 5.32m x 3.69m (17'5" x 12'1") maximum into recess
Kitchen/diner 5.34m x 3.03m (17'6" x 9'11") maximum into recess
First floor landing
Bedroom one 3.41m x 3.35m…
Floor plans
Nearby active comparables13 rentals · 5 deals
Comparable rentals
PE7 · same beds + typeMedian nearby: £1,375/mo · 13 of 13 already let+£210 vs our est
- Hargate Way, Peterborough, Cambridges…Let3b£1,400/moMay 2026
- Southwold Drive, Hampton Beach, Peter…Let3b£1,425/moMay 2026
- Leaf Living at Great Haddon Wood, Pet…Let3b£1,450/moMay 2026
- Leaf Living at Great Haddon Wood, Pet…Let3b£1,350/moMay 2026
- Leaf Living at Great Haddon Wood, Pet…Let3b£1,525/moMay 2026
- Southwold Drive, Hampton Beach, Peter…Let3b£1,375/moMay 2026
- Hampton Green, Peterborough, PE7Let3b£1,390/moMay 2026
- Hampton Green, Peterborough, PE7Let3b£1,365/moMay 2026
- Chelburn Grove, Hampton Water, Peterb…Let3b£1,350/moMay 2026
- Cross Street, Farcet, PE7Let3b£1,300/moMay 2026
- Cross StreetLet3b£1,300/moMay 2026
- Newcourt Road, Great Haddon, Peterbor…Let3b£1,375/moMay 2026
- Poppy GardensLet3b£1,250/moMay 2026
Listing metarightmove · Sharman Quinney
About this listing
243 days · RightmovePrice history
5-year price trend
Monthly profit
+£14
Cash needed
£76K
Return after costs
0.22%
IRR
0.56%
Listed 243d ago
117, CORONATION AVENUE, WHITTLESEY, PETERBOROUGH, PE7 1XD
semi-detached · 3 bed · 1 bath · 990 sqft (EPC)
£180,000
est £1,165 · 7.77% gross
EPC D
Priced below market
1 / 20
54/100
Caution
13.09% Rent by the room strategy — market rent unverified, verify locally.
Priced below market -22% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.77% Return before costs — above-market
13.1% Rent by the room Return before costs — conversion play
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£180K
22% below sold comps
Return before costs (best)
13.09%
Rent by the room
Bedrooms
3
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
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: £1,151–£1,179/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£14
after mortgage, operating costs & tax
Rent in£1,165/mo gross
£1,120/mo collected · £45/mo lost to voids
Where it goes
£731Mortgage£372Costs
£14/mo left as profit · 1% of rent kept
Mortgage£731
Costs£372
Management£117
Maintenance£67
Insurance£20
CapEx reserve£58
Voids + council tax£6
Ltd co. accounts£104
Tax£3
Profit+£14
Returns
Return before costs on price7.77%
Cash return on cash0.22%
Gross margin£748
Cash needed£75,611
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.53
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
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 | £13,980 | £4,462 | £8,775 | £0 | £141 | £603 | £603 |
| Year 2 | £14,399 | £4,595 | £8,775 | £0 | £196 | £833 | £1,436 |
| Year 3 | £14,831 | £4,733 | £8,775 | £0 | £251 | £1,072 | £2,508 |
| Year 4 | £15,276 | £4,875 | £8,775 | £0 | £309 | £1,317 | £3,825 |
| Year 5 | £15,735 | £5,021 | £8,775 | £0 | £368 | £1,570 | £5,395 |
Rent by the room upside
What we verified
5106
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▾
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
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 24.5%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,755
Annual rental tax£39
CGT yr 5£0 · company level
5y net total£5,395
Acquisition costs
25% deposit£45,000
Stamp duty£10,100
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£3,700
Cash needed£75,611
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
SUMMARY Established terraced house requiring updating throughout but is close to many local amenities. Offering a 17' living room, 17' kitchen/diner and three good size bedrooms. Benefitting from off road parking for several vehicles, good size rear garden and no onward chain.
DESCRIPTION Entrance hall
Living room 5.32m x 3.69m (17'5" x 12'1") maximum into recess
Kitchen/diner 5.34m x 3.03m (17'6" x 9'11") maximum into recess
First floor landing
Bedroom one 3.41m x 3.35m…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice