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Year 5 disposal
⊞ View all 11
8/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Monthly profit +£210/mo from completion — the no.1 reason to invest
- 7.6% 5y IRR — strong total return on capital
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- EPC C — MEES compliant
Why to be cautious
- 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
+£210/mo
Pays you every month, net of costs
Price
£94K
No local sold comps to compare
Return · IRR
7.6%/yr
Modest annualised return
Cash to get in
£34K
Deposit + fees + refurb
5-yr return on cash 50%Rent est. £1,200 (£1,150–£1,250)
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: £1,150–£1,250/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · £23,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £70,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£210
after mortgage, operating costs & tax
Rent in£1,200/mo gross
£1,154/mo collected · £46/mo lost to voids
Where it goes
£382Mortgage£513Costs£210Your profit
£210/mo left as profit · 18% of rent kept
Mortgage£382
Costs£513
Management£120
Maintenance£67
Insurance£20
CapEx reserve£60
Voids + council tax£7
Service charge + ground rent£134
Ltd co. accounts£104
Tax£49
Profit+£210
Returns
Return before costs on price15.32%
Cash return on cash7.43%
Gross margin£641
Cash needed£33,960
Monthly profit payback13y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress3.02
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 | £14,400 | £6,151 | £4,583 | £0 | £697 | £2,970 | £2,970 |
| Year 2 | £14,832 | £6,336 | £4,583 | £0 | £744 | £3,170 | £6,139 |
| Year 3 | £15,277 | £6,526 | £4,583 | £0 | £792 | £3,377 | £9,516 |
| Year 4 | £15,735 | £6,721 | £4,583 | £0 | £842 | £3,589 | £13,106 |
| Year 5 | £16,207 | £6,923 | £4,583 | £0 | £893 | £3,809 | £16,915 |
Disposal gain (gross)-£861
CGT£0
Net Disposal proceeds£101,189
What we verified
What we verified
33053 ok · 3 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Building condition
Energy ratingC
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
Address-matched (ground truth)Band C
MEES 2030 compliance
C required for new tenancies
PASS
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
OK
Floor
EWS1 typically required above 18m
Floor 0
Lender impact
Ground floor — building almost certainly ≤ 11 m, EWS1 likely not required (RICS Mar 2021 guidance).
Mortgageable
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 profileMixed demand
Tenant profilelikely cohortHP3 9WZ · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University College London · 32.2 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 · 630 sqft
£19k–£37k
£ per sqft
building cost only
£29–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£4,410–£8,190
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
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 history168d on market1 price change
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£90,000 in 2021 → £94,000 asking
+4.4%in 5y
- 2021£90,000-4.3% in 4y
- 2017£94,000—
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 — +£210/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 | 15.32% | +£210 | £33,960 | 49.8% | Low | Feasible |
| Housing-benefit rent | 12.09% | -£9 | £33,960 | 13.1% | Med | Feasible |
| Council lease | 0.00% | -£707 | £33,960 | -128.5% | Low | Feasible |
| Refurb & refinance | 15.32% | +£210 | £39,200 | 43.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£325 | £102,590 | 7% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA South West Herts · cap £947/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- South West Herts
- LHA monthly cap:
- £947
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
+£196/mo cash flow vs Rent it out if converted to Rent by the room
30.64% Return before costs on price converted vs 15.32% as-is
As-is Rent it out
Monthly profit+£327
Return before costs on price15.32%
Cash needed£35,398
If converted to Rent by the room
Monthly profit+£523
Return before costs on price30.64%
Cash needed£51,398
Δ vs Rent it out Monthly profit+£196
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 miLoading 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
- GoodLime Walk Primary SchoolPrimary · Community school · HP3 9LN
- GoodNash Mills Church of England Primary SchoolPrimary · Voluntary aided school · HP3 9XB
- Not ratedBelswains Primary SchoolPrimary · Community school · HP3 9QJ
- Not ratedTudor Primary SchoolPrimary · Community school · HP3 9ER
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£14,400
Section 24 credit£0
Annual tax due£697
Post-tax Monthly profit annual£2,416
Exit costs
Projected sale price (5y · 2%/yr growth)£103,784
Capital gain (pre-CGT)£9,784
Sale costs (~2.5%)£2,595
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£16,915
Rates as of Oct 2024
Acquisition costs
£33,960cash neededPurchase price£94,000
Deposit (25%)£23,500
Stamp duty+5% additional-property surcharge£4,700
Refurb£1,350
Legal + survey£2,000
Mortgage fees£2,410
Total cash neededdeposit + costs (loan covers the rest)£33,960
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
*SHARED OWNERSHIP 40%* Situated in the highly sought after Apsley Lock, with a host of amenities including cafe's, bars and restaurants and a short walk to Apsley mainline train station, this immaculately presented one bedroom ground floor flat is a credit to the current owners. Comprising spacious lounge/dining room, modern fitted kitchen, bathroom and double bedroom, the property also has gas central heating and a long lease. Additionally, the property comes with two parkin…
Floor plans
Nearby active comparables4 rentals
Comparable rentals
HP3 · same beds + typeMedian nearby: £1,225/mo · 4 of 4 already let+£25 vs our est
- Lawn Lane, Hemel Hempstead HP3Let1b£1,200/moMay 2026
- Risedale Road, HP3Let1b£1,150/moMay 2026
- Lawn Lane, Hemel Hempstead, HP3Let1b£1,250/moMay 2026
- Grover House, Embankment, Hemel Hemps…Let1b£1,350/moApr 2026
Other deals nearby
HP3 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metarightmove · Michael Anthony
About this listing
168 days · RightmovePrice history
5-year price trend
Monthly profit
+£210
Cash needed
£34K
Return after costs
7.43%
IRR
7.64%
Listed 168d ago
8, STEPHENSON WHARF, HEMEL HEMPSTEAD, HP3 9WZ
✓ Verified address
flat · 1 bed · 1 bath · 624 sqft (EPC)
£94,000
est £1,200
EPC C
1 / 11
8/100
Marginal
No rent data — verify locally before offering.
Monthly profit +£210/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
£94K
Return before costs
—
est rent £1,200/monot enough comparablesRange £1,150–£1,250/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
C
Energy rating
Deal flags1 issue
Shared ownership
Restricted resale; staircasing required
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: £1,150–£1,250/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · £23,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £70,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£210
after mortgage, operating costs & tax
Rent in£1,200/mo gross
£1,154/mo collected · £46/mo lost to voids
Where it goes
£382Mortgage£513Costs£210Your profit
£210/mo left as profit · 18% of rent kept
Mortgage£382
Costs£513
Management£120
Maintenance£67
Insurance£20
CapEx reserve£60
Voids + council tax£7
Service charge + ground rent£134
Ltd co. accounts£104
Tax£49
Profit+£210
Returns
Return before costs on price15.32%
Cash return on cash7.43%
Gross margin£641
Cash needed£33,960
Monthly profit payback13y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress3.02
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA South West Herts · cap £947/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- South West Herts
- LHA monthly cap:
- £947
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 | £14,400 | £6,151 | £4,583 | £0 | £697 | £2,970 | £2,970 |
| Year 2 | £14,832 | £6,336 | £4,583 | £0 | £744 | £3,170 | £6,139 |
| Year 3 | £15,277 | £6,526 | £4,583 | £0 | £792 | £3,377 | £9,516 |
| Year 4 | £15,735 | £6,721 | £4,583 | £0 | £842 | £3,589 | £13,106 |
| Year 5 | £16,207 | £6,923 | £4,583 | £0 | £893 | £3,809 | £16,915 |
Rent by the room upside
What we verified
4306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingC
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Service chargeReduces net yield£1,308/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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£917
Annual rental tax£591
CGT yr 5£0 · company level
5y net total£16,915
Acquisition costs
25% deposit£23,500
Stamp duty£4,700
Refurb£1,350
Legal + survey£2,000
Mortgage + broker£2,410
Cash needed£33,960
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
*SHARED OWNERSHIP 40%* Situated in the highly sought after Apsley Lock, with a host of amenities including cafe's, bars and restaurants and a short walk to Apsley mainline train station, this immaculately presented one bedroom ground floor flat is a credit to the current owners. Comprising spacious lounge/dining room, modern fitted kitchen, bathroom and double bedroom, the property also has gas central heating and a long lease. Additionally, the property comes with two parkin…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice