Priced below market -42% 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
Auction lot — bridging-only finance, 28-day completion
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
+£135/mo
Barely breaks even each month
Price vs market
Below market value
-42% vs 12 sold · interior unseen
Return · IRR
2.8%/yr
Modest annualised return
Cash left in
£33K
Stays in after refinancing at value
Price £80KCash to buy £76KReturn before costson price12.40%5-yr return on cash 15%Rent est. £827 (£746–£917)
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).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £746–£917/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £20,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Capped at 60% of £80,000 asking (£48,000). Raw model: £38,840–£73,230. Verify with a surveyor before offering.
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £60,000 loan + £1,000 booking fee
Cladding safety certificateNot stated on the listingHeritageNot 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.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£7,700–£14,700
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history163d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£135/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
12.40%
+£135
£75,900
14.8%
Low
Feasible
Housing-benefit rent
7.18%
-£149
£75,900
-7.8%
Med
Feasible
Council lease
0.00%
-£499
£75,900
-40.3%
Low
Feasible
Refurb & refinance
12.40%
+£135
£95,900
11.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£174
£149,700
-35%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Staffordshire North · cap £479/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Staffordshire North
LHA monthly cap:
£479
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 impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£441/mo cash flow vs Rent it out if converted to Rent by the room
36.00% Return before costs on price converted vs 12.40% as-is
As-is Rent it out
Monthly profit+£126
Return before costson price12.40%
Cash needed£31,898
If converted to Rent by the room
Monthly profit+£567
Return before costson price36.00%
Cash needed£47,898
Δ vs Rent it outMonthly profit+£441
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
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£25,458–£48,000full refurb + room split
⚠️ Capped at 60% of £80,000 asking (£48,000). Raw model: £38,840–£73,230. Verify with a surveyor before offering.
What's in this cost
Kitchen£5,663–£11,327
1 × bathroom£3,736–£6,850
Rewire£1,835–£3,212
Replumb£1,376–£2,753
Windows£4,588–£8,259
Paint + decor£3,212–£5,965
Flooring£5,047–£9,635
Comparables
sold within 0.5 mi
Wide · CV 19.3%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
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
Silverdale Primary Academy
Primary · Academy sponsor led · ST5 6PB
Good
Cedars - Newcastle, Moorlands and Darwin Bases
Not applicable · Pupil referral unit · ST5 6BX
Not rated
Knutton St Marys CofE Academy
Primary · Academy sponsor led · ST5 6EB
Not rated
St Luke's CofE (C) Primary School
Primary · Voluntary controlled school · ST5 6QJ
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£1,547/yr kept
Annual gross rent£9,924
Section 24 credit£0
Annual tax due£452
Post-tax Monthly profitannual£1,547
Exit costs
£11,213 after CGT
Projected sale price (5y · 2%/yr growth)£88,326
Capital gain (pre-CGT)£8,326
Sale costs (~2.5%)£2,208
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 profitafter CGT£11,213
Rates as of Oct 2024
Acquisition costs
£75,900cash needed
Purchase price£80,000
Deposit (25%)£20,000
Stamp duty+5% additional-property surcharge£4,000
Refurb£48,000
Legal + survey£1,700
Mortgage fees£2,200
Total cash neededdeposit + costs (loan covers the rest)£75,900
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
PROPERTYDESCRIPTION INVESTMENT OPPORTUNITY, SELECTIVE IMPROVEMENTS REQUIRED, CASH BUYERS PREFERRED.
This two bedroom end townhouse is situated in a popular residential location offering easy access to local amenities, schools, commuter and transport networks. The accommodation comprises, entrance hall, lounge/diner, kitchen, porch, two bedrooms and a bathroom. Gas central heating and upvc double glazing. Externally there are generous size gardens to the front, side and rear…
Priced below market -42% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
12.40% Return before costs — above-market
Price
£80K
42% below sold comps
Return before costs
12.40%
est rent £827/monot enough comparablesRange £746–£917/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £746–£917/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £20,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Capped at 60% of £80,000 asking (£48,000). Raw model: £38,840–£73,230. Verify with a surveyor before offering.
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £60,000 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Staffordshire North · cap £479/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Staffordshire North
LHA monthly cap:
£479
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
£9,924
£3,644
£3,900
£0
£452
£1,928
£1,928
Year 2
£10,222
£3,753
£3,900
£0
£488
£2,081
£4,009
Year 3
£10,528
£3,865
£3,900
£0
£525
£2,238
£6,247
Year 4
£10,844
£3,981
£3,900
£0
£563
£2,400
£8,647
Year 5
£11,170
£4,101
£3,900
£0
£602
£2,567
£11,213
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
3307
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
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
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile3▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Wide · CV 19.3%Med confidence
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£780
Annual rental tax£380
CGT yr 5£0 · company level
5y net total£11,213
Acquisition costs
£76K
25% deposit£20,000
Stamp duty£4,000
Refurb£48,000
Legal + survey£1,700
Mortgage + broker£2,200
Cash needed£75,900
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyRightmove
PROPERTYDESCRIPTION INVESTMENT OPPORTUNITY, SELECTIVE IMPROVEMENTS REQUIRED, CASH BUYERS PREFERRED.
This two bedroom end townhouse is situated in a popular residential location offering easy access to local amenities, schools, commuter and transport networks. The accommodation comprises, entrance hall, lounge/diner, kitchen, porch, two bedrooms and a bathroom. Gas central heating and upvc double glazing. Externally there are generous size gardens to the front, side and rear…