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Year 5 disposal
BMV -66%
⊞ View all 10
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Priced below market -66% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Monthly profit −£501/mo — heavily negative — needs monthly capital injection
- -18.0% 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
−£501/mo
You top up £501/mo
Price vs market
Below market value
-66% vs 12 sold · interior unseen
Return · IRR
-18.0%/yr
Loses money over 5 years
Cash left in
£0
Fully recycled — pull all your cash back out
Price £75KCash to buy £36K5-yr return on cash -85%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £18,750
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 (£7,487–£13,975 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £56,250 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)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£501
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£305Mortgage£196Costs
Outgoings exceed rent — you top up £501/mo
Mortgage£305
Costs£196
Maintenance£67
Insurance£20
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£501
Returns
Return before costs on price0.00%
Cash return on cash-16.55%
Gross margin-£196
Cash needed£36,307
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £2,353 | £3,656 | £0 | £0 | -£6,009 | -£6,009 |
| Year 2 | £0 | £2,423 | £3,656 | £0 | £0 | -£6,079 | -£12,088 |
| Year 3 | £0 | £2,496 | £3,656 | £0 | £0 | -£6,152 | -£18,240 |
| Year 4 | £0 | £2,571 | £3,656 | £0 | £0 | -£6,227 | -£24,467 |
| Year 5 | £0 | £2,648 | £3,656 | £0 | £0 | -£6,304 | -£30,771 |
Disposal gain (gross)-£9,696
CGT£0
Net Disposal proceeds£80,736
What we verified
What we verified
21082 ok · 1 caution · 0 fail · 8 unknown
Legal & planning
LeaseholdUnknown
Tenure & planningUnknown
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 cohortIG1 4EW · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 8.7 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
1-bed · 1-bath · 735 sqft · London ×1.4
£26k–£51k
£ per sqft
building cost only
£36–£70
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£7,350–£13,230
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,290–£19,110
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 history199d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£151,950 in 2003 → £75,000 asking
-50.6%in 23y
- 2003£151,950—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Council lease wins — +£4,125/mo · £3,926/mo ahead of Housing-benefit rent
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 0.00% | -£501 | £36,307 | -84.8% | Low | Feasible |
| Housing-benefit rent | 15.95% | +£199 | £36,307 | 48.3% | Med | Feasible |
| ⭐ Council lease | 95.71% | +£4,125 | £36,307 | 722.9% | Low | Feasible |
| Refurb & refinance | 0.00% | -£501 | £44,050 | -69.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£191 | £94,425 | -4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Outer North East London · cap £997/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer North East London
- LHA monthly cap:
- £997
- Scheme type:
- PSL
- Premium:
- +500% 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
+£1,079/mo cash flow vs Rent it out if converted to Rent by the room
38.40% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£496
Return before costs on price0.00%
Cash needed£30,648
If converted to Rent by the room
Monthly profit+£583
Return before costs on price38.40%
Cash needed£46,648
Δ vs Rent it out Monthly profit+£1,079
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Comparables
sold within 0.5 miWide · CV 46.3%Med confidence
Loading 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
- GoodChristchurch Primary SchoolPrimary · Community school · IG1 4LQ
- GoodSt Aidan's Catholic Primary AcademyPrimary · Academy converter · IG1 4AS
- GoodThe Ursuline Academy IlfordSecondary · Academy converter · IG1 4JU
- Not ratedApex Secondary School for BoysNot applicable · Other independent school · IG1 4UA
- Not ratedApex Secondary School for GirlsNot applicable · Other independent school · IG1 4UA
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£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£6,009
Exit costs
Projected sale price (5y · 2%/yr growth)£82,806
Capital gain (pre-CGT)£7,806
Sale costs (~2.5%)£2,070
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-£30,771
Rates as of Oct 2024
Acquisition costs
£36,307cash neededPurchase price£75,000
Deposit (25%)£18,750
Stamp duty+5% additional-property surcharge£3,750
Refurb£9,982
Legal + survey£1,700
Mortgage fees£2,125
Total cash neededdeposit + costs (loan covers the rest)£36,307
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Nearby active comparables1 rental · 5 deals
Comparable rentals
IG1 · same beds + type- 39 Wiltshire Court, 54a Pittmans Gard…Let1b£1,350/moMay 2026
Listing metarightmove · haart
About this listing
199 days · RightmovePrice history
5-year price trend
Monthly profit
−£501
Cash needed
£36K
Return after costs
-16.55%
IRR
-17.95%
Listed 199d ago
Morland Road, Ilford
retirement property · 1 bed · 1 bath
£75,000
Priced below market
1 / 10
0/100
Marginal
No rent data — verify locally before offering.
Priced below market -66% vs 12 nearby sold (last 12 mo)
Price
£75K
66% below sold comps
Return before costs
—
rent unknown
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Retirement only
Age-restricted resale; limited buyer pool
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £18,750
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 (£7,487–£13,975 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £56,250 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)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£501
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£305Mortgage£196Costs
Outgoings exceed rent — you top up £501/mo
Mortgage£305
Costs£196
Maintenance£67
Insurance£20
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£501
Returns
Return before costs on price0.00%
Cash return on cash-16.55%
Gross margin-£196
Cash needed£36,307
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Outer North East London · cap £997/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer North East London
- LHA monthly cap:
- £997
- Scheme type:
- PSL
- Premium:
- +500% 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 | £0 | £2,353 | £3,656 | £0 | £0 | -£6,009 | -£6,009 |
| Year 2 | £0 | £2,423 | £3,656 | £0 | £0 | -£6,079 | -£12,088 |
| Year 3 | £0 | £2,496 | £3,656 | £0 | £0 | -£6,152 | -£18,240 |
| Year 4 | £0 | £2,571 | £3,656 | £0 | £0 | -£6,227 | -£24,467 |
| Year 5 | £0 | £2,648 | £3,656 | £0 | £0 | -£6,304 | -£30,771 |
Rent by the room upside
What we verified
2208
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeUnknown
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 miWide · CV 46.3%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£731
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£30,771
Acquisition costs
25% deposit£18,750
Stamp duty£3,750
Refurb£9,982
Legal + survey£1,700
Mortgage + broker£2,125
Cash needed£36,307
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
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice