Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 6
38/ 100
Weak
9.02% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£229/mo from completion — the no.1 reason to invest
- 9.02% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (124 yrs) — no short-lease drag
Why to be cautious
- 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
+£229/mo
Pays you every month, net of costs
Price vs market
Above comparable sales
+11% vs 12 sold
Return · IRR
2.3%/yr
Modest annualised return
Cash to get in
£122K
Deposit + fees + refurb
Price £310KReturn before costs on price 9.02%5-yr return on cash 19%Rent est. £2,329 (£1,996–£2,718)
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: £1,996–£2,718/mo · n=68
Financing
DepositYour cash in — the rest is the mortgage25% · £77,500
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 (£11,213–£20,930 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £232,500 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£229
after mortgage, operating costs & tax
Rent in£2,329/mo gross
£2,239/mo collected · £90/mo lost to voids
Where it goes
£1,259Mortgage£698Costs
£229/mo left as profit · 10% of rent kept
Mortgage£1,259
Costs£698
Management£233
Maintenance£67
Insurance£28
CapEx reserve£116
Voids + council tax£8
Service charge + ground rent£141
Ltd co. accounts£104
Tax£54
Profit+£229
Returns
Return before costs on price9.02%
Cash return on cash2.26%
Gross margin£1,542
Cash needed£121,625
Monthly profit payback44y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.78
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 | £27,948 | £8,373 | £15,113 | £0 | £848 | £3,614 | £3,614 |
| Year 2 | £28,786 | £8,624 | £15,113 | £0 | £959 | £4,091 | £7,705 |
| Year 3 | £29,650 | £8,883 | £15,113 | £0 | £1,074 | £4,580 | £12,285 |
| Year 4 | £30,540 | £9,150 | £15,113 | £0 | £1,193 | £5,084 | £17,370 |
| Year 5 | £31,456 | £9,424 | £15,113 | £0 | £1,315 | £5,604 | £22,974 |
Disposal gain (gross)-£14,767
CGT£0
Net Disposal proceeds£333,708
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
Leasehold124 yr
Leaseholdmaterial factsListing extract
Lease remaining
Mortgageable ≥80yr
124 yr
Extracted from listing description · verify with solicitor
Tenure & planning124 yr
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
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →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 profileStudent let
Tenant profilelikely cohortOX2 0NP · 2 bed
Primary profile
Student let
Nearest university
for student-let assessment
University of Oxford · 1.5 km
Reason
1.5 km from a major UK university — student couples / individuals dominate 2-bed lets here.
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 · 1-bath · 810 sqft
£22k–£43k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- 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 history192d on market4 price changes
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£210,000 in 2010 → £310,000 asking
+47.6%in 16y
- 2010£210,000+5.0% in 4y
- 2006£200,000+16.3% in 1y
- 2005£172,000+52.9% in 5y
- 2000£112,500+90.7% in 4y
- 1996£59,000—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Short-stay let / Airbnb wins — +£3,511/mo · £3,282/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 9.02% | +£229 | £121,625 | 18.9% | Low | Feasible |
| Housing-benefit rent | 4.34% | -£771 | £121,625 | -32.0% | Med | Feasible |
| Council lease | 4.34% | -£534 | £121,625 | -24.1% | Low | Feasible |
| Refurb & refinance | 9.02% | +£229 | £143,105 | 16.1% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 39.00% | +£3,511 | £121,625 | 186.0% | High | Feasible |
| Buy, improve & sell | 0.00% | -£340 | £354,455 | 4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,122/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,122
- Scheme type:
- nominee
- 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
Local lettings demandby strategyLive area data
Short-stay let85% occupancy
£390/night ADR
Based on 3 short-let comps nearby
Rent by the room conversion upside
-£584/mo cash flow vs Rent it out if converted to Rent by the room
9.29% Return before costs on price converted vs 9.02% as-is
As-is Rent it out
Monthly profit+£386
Return before costs on price9.02%
Cash needed£89,398
If converted to Rent by the room
Monthly profit-£198
Return before costs on price9.29%
Cash needed£105,398
Δ vs Rent it out Monthly profit-£584
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
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 81% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 81% (588 decisions)
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
£58,230–£103,995full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£4,725–£7,560
- Replumb£3,780–£6,615
- Windows£10,395–£17,955
- Paint + decor£9,450–£16,065
- Flooring£13,230–£23,625
Comparables
sold within 0.5 miWide · CV 31.1%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Houses in Multiple Occupation Article 4 Direction
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodNorth Hinksey Church of England Primary SchoolPrimary · Academy converter · OX2 0LZ
- Not ratedWest Oxford Community Primary SchoolPrimary · Community school · OX2 0BY
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£27,948
Section 24 credit£0
Annual tax due£848
Post-tax Monthly profit annual£2,539
Exit costs
Projected sale price (5y · 2%/yr growth)£342,265
Capital gain (pre-CGT)£32,265
Sale costs (~2.5%)£8,557
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£22,974
Rates as of Oct 2024
Acquisition costs
£121,625cash neededPurchase price£310,000
Deposit (25%)£77,500
Stamp duty+5% additional-property surcharge£21,000
Refurb£14,950
Legal + survey£2,525
Mortgage fees£5,650
Total cash neededdeposit + costs (loan covers the rest)£121,625
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
A two bedroom first floor apartment on Osney Island with an off-street parking space.
The apartment has a light and bright living/dining room and the kitchen has appliances including washing machine, fridge-freezer, and dishwasher, two bedrooms.
The bathroom has a shower over the bath.
Osney Island is an area popular for local river walks and is a 0.5 mile walk to the rail station and under a mile walk to the city centre.
The property is leasehold with 124 years remainin…
Floor plans
Listing metarightmove · FK Sales
About this listing
192 days · RightmovePrice history
5-year price trend
Monthly profit
+£229
Cash needed
£122K
Return after costs
2.26%
IRR
2.34%
Listed 192d ago
WEST COURT FLAT 19, WEST STREET, OXFORD, OX2 0NP
✓ Verified address
flat · 2 bed · 1 bath
£310,000
est £2,329 · 9.02% gross
Leasehold 124yr
1 / 6
38/100
Marginal
9.02% — verify the rent + comps locally.
Monthly profit +£229/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.02% Return before costs — above-market
Price
£310K
11% above sold comps
Return before costs
9.02%
est rent £2,329/mo68 comps within 1 kmRange £1,996–£2,718/mo (Q1–Q3)
Bedrooms
2
1 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: £1,996–£2,718/mo · n=68
Financing
DepositYour cash in — the rest is the mortgage25% · £77,500
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 (£11,213–£20,930 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £232,500 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£229
after mortgage, operating costs & tax
Rent in£2,329/mo gross
£2,239/mo collected · £90/mo lost to voids
Where it goes
£1,259Mortgage£698Costs
£229/mo left as profit · 10% of rent kept
Mortgage£1,259
Costs£698
Management£233
Maintenance£67
Insurance£28
CapEx reserve£116
Voids + council tax£8
Service charge + ground rent£141
Ltd co. accounts£104
Tax£54
Profit+£229
Returns
Return before costs on price9.02%
Cash return on cash2.26%
Gross margin£1,542
Cash needed£121,625
Monthly profit payback44y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.78
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,122/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,122
- Scheme type:
- nominee
- 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 | £27,948 | £8,373 | £15,113 | £0 | £848 | £3,614 | £3,614 |
| Year 2 | £28,786 | £8,624 | £15,113 | £0 | £959 | £4,091 | £7,705 |
| Year 3 | £29,650 | £8,883 | £15,113 | £0 | £1,074 | £4,580 | £12,285 |
| Year 4 | £30,540 | £9,150 | £15,113 | £0 | £1,193 | £5,084 | £17,370 |
| Year 5 | £31,456 | £9,424 | £15,113 | £0 | £1,315 | £5,604 | £22,974 |
Rent by the room upside
What we verified
5207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining124 yr
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
Service chargeReduces net yield£1,650/yr
Ground rentDoubling clauses kill mortgageability£40/yr
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 31.1%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,023
Annual rental tax£644
CGT yr 5£0 · company level
5y net total£22,974
Acquisition costs
25% deposit£77,500
Stamp duty£21,000
Refurb£14,950
Legal + survey£2,525
Mortgage + broker£5,650
Cash needed£121,625
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 two bedroom first floor apartment on Osney Island with an off-street parking space.
The apartment has a light and bright living/dining room and the kitchen has appliances including washing machine, fridge-freezer, and dishwasher, two bedrooms.
The bathroom has a shower over the bath.
Osney Island is an area popular for local river walks and is a 0.5 mile walk to the rail station and under a mile walk to the city centre.
The property is leasehold with 124 years remainin…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice