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Year 5 disposal
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32/ 100
Weak
8.84% Rent by the room return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£195/mo — mildly negative — equity build may cover
- -1.8% 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
−£195/mo
You top up £195/mo
Price vs market
Above comparable sales
+3% vs 12 sold
Return · IRR
-1.8%/yr
Loses money over 5 years
Cash to get in
£120K
Deposit + fees + refurb
Price £289KReturn before costs on price · Rent by the room 8.84%5-yr return on cash -4%Rent est. £1,505 (£1,394–£1,625)
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: £1,394–£1,625/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £72,250
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 (£16,215–£30,268 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £216,750 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£195
after mortgage, operating costs & tax
Rent in£1,505/mo gross
£1,447/mo collected · £58/mo lost to voids
Where it goes
£1,174Mortgage£468Costs
Outgoings exceed rent — you top up £195/mo
Mortgage£1,174
Costs£468
Management£151
Maintenance£100
Insurance£28
CapEx reserve£75
Voids + council tax£10
Ltd co. accounts£104
Tax—
Shortfall−£195
Returns
Return before costs on price6.25%
Cash return on cash-1.94%
Gross margin£979
Cash needed£120,255
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.23
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 | £18,060 | £5,615 | £14,089 | £0 | £0 | -£1,644 | -£1,644 |
| Year 2 | £18,602 | £5,783 | £14,089 | £0 | £0 | -£1,270 | -£2,914 |
| Year 3 | £19,160 | £5,957 | £14,089 | £0 | £0 | -£886 | -£3,800 |
| Year 4 | £19,735 | £6,136 | £14,089 | £0 | £0 | -£490 | -£4,290 |
| Year 5 | £20,327 | £6,320 | £14,089 | £0 | £0 | -£82 | -£4,372 |
Disposal gain (gross)-£20,568
CGT£0
Net Disposal proceeds£311,102
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 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 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 profileFamily let
Tenant profilelikely cohortBD13 3SJ · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Leeds Beckett · 17.2 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 2-bath · 1170 sqft
£32k–£62k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£8,190–£15,210
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£12,870–£24,570
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 history162d on marketno cuts yet
Strategy matrix
Rent by the room wins — +£867/mo · £994/mo ahead of Council lease (after room-conversion)
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 6.25% | -£195 | £120,255 | -3.6% | Low | Feasible |
| Housing-benefit rent | 3.11% | -£863 | £120,255 | -39.0% | Med | Feasible |
| Council lease | 6.25% | -£127 | £120,255 | -3.1% | Low | Feasible |
| Refurb & refinance | 6.25% | -£195 | £143,353 | -3.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £340,318 | 2% | Med | Feasible |
| ⭐ Rent by the room | 6.48% * | +£867 | £127,775 | — | — | Feasible |
* Rent by the room shows net yield on cost for the audited HMO conversion deal (post-conversion, after running costs) — not gross like the other rows. Its 5-yr ROI reads “—” because the audited deal is a year-one snapshot; the HMO conversion panel below shows the cash-back / payback horizon.
Housing-benefit (LHA) scheme detailBRMA Bradford & South Dales · cap £748/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bradford & South Dales
- LHA monthly cap:
- £748
- Scheme type:
- nominee
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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
-£6/mo cash flow vs Rent it out if converted to Rent by the room
9.97% Return before costs on price converted vs 6.25% as-is
£289k → 7-bed HMO @ ~£486/room: £3,255 pcm gross, ~£1,861 pcm net (6.5% net on £345k all-in incl. ~£34k works); GDV ~£248k → refinance releases ~£-31k (~£158k left in)
medium confidence
Unlocks ~£19,152/yr extra rent
4 → 7 lettable rooms · ~7.2% gross at max
Potential, not guaranteed (subject to planning + regs). Estimate from the floorplan (kitchen size assumed) — verify room sizes against the floorplan before offering.
How we calculated this
floorplan shows 8 habitable rooms (4 beds + 4 reception(s)); convert 3 spare room(s) to bedrooms, keeping one reception as the lounge → up to 7 lettable rooms (incl. the garage — convertible to a bedroom or the communal area); sized to Bradford adopted standard (6.51/10.22 m²; Amenity Standards for Houses in Multiple Occupation v1.0, City of Bradford MDC; HMO licence fees 2026-2027); adds ~£1,596/mo; loft conversion may add 1-2 further rooms (subject to head height/planning — not counted); large HMO (7+ residents) is sui generis — planning permission required; mandatory HMO licence (5+ persons, England)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
4 → 7 bed HMO+3 singles6.48% net on cost8.14% cash-on-cashuplift 4.25% → 7.21%
💷 Refinance could release ~-£30,696
HMO licence7+ = planning required
Sized to Bradford's adopted HMO standards
Projections use documented assumptions (local room rates, typical conversion costs, 75% LTV at 5.5%, indicative regional valuation yields) and each council’s published HMO standards. Not financial advice. Verify room sizes, licensing and planning with the council and a surveyor before purchase.
Room mix (4 lettable rooms)
3× Double @ £513/mo1× En-suite @ £589/mo
≈ £2,128/mo gross room income
As-is Rent it out
Monthly profit-£110
Return before costs on price6.25%
Cash needed£84,148
If converted to Rent by the room
Monthly profit-£116
Return before costs on price9.97%
Cash needed£100,148
Δ vs Rent it out Monthly profit-£6
+3 rooms (7 total)
Monthly profit+£681
Return before costs on price15.46%
Cash needed£130,148
Extra rent+£1,596/mo
Show conversion detail
Conversion cost estimate
£27,300
Range: £21,000 – £35,700
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£69,100–£127,100full refurb + room split
What's in this cost
- Kitchen£9,000–£18,000
- 2 × bathroom£12,000–£22,000
- Rewire£5,200–£9,100
- Replumb£3,900–£7,800
- Windows£13,000–£23,400
- Paint + decor£10,400–£18,200
- Flooring£15,600–£28,600
Based on 172 HMO comps within 7.7 km
Comparables
sold within 0.5 miWide · CV 21.8%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodThornton Primary SchoolPrimary · Academy converter · BD13 3NN
- GoodBeckfoot ThorntonSecondary · Academy sponsor led · BD13 3BH
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£18,060
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,338
Exit costs
Projected sale price (5y · 2%/yr growth)£319,079
Capital gain (pre-CGT)£30,079
Sale costs (~2.5%)£7,977
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-£4,372
Rates as of Oct 2024
Acquisition costs
£120,255cash neededPurchase price£289,000
Deposit (25%)£72,250
Stamp duty+5% additional-property surcharge£18,900
Refurb£21,620
Legal + survey£2,150
Mortgage fees£5,335
Total cash neededdeposit + costs (loan covers the rest)£120,255
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
SPACIOUS FOUR BEDROOM DETACHED STUNNING VIEWS FRONT & REAR CONVERTED GARAGE/OFFICE DESIRABLE POSITION Bronte Estates are delighted to offer for sale this well proportioned detached property at Well Heads in Thornton, boasting an open rural aspect to both the front and rear, along with light and airy accommodation across two floors. The property briefly comprises of a good-sized hallway, kitchen being open plan with the dining area and an opening to a spacious living room…
Floor plans
Nearby active comparables1 rental
Comparable rentals
BD13 · same beds + typeMedian nearby: £1,000/mo · 1 of 1 already let-£505 vs our est
- Wellfield House, Bradford, BD13Let4b£1,000/moMay 2026
Other deals nearby
BD13 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metarightmove · Bronte Estate Agents
About this listing
162 days · RightmovePrice history
5-year price trend
Monthly profit
−£195
Cash needed
£120K
Return after costs
-1.94%
IRR
-1.82%
Listed 162d ago
Well Heads, Thornton, Bradford
detached · 4 bed · 2 bath
£289,000
est £1,505 · 6.25% gross
1 / 21
32/100
Marginal
8.84% — verify the rent + comps locally.
6.25% Return before costs — around the area average for this property type.
Monthly profit −£195/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£289K
3% above sold comps
Return before costs (best)
8.84%
Rent by the room
Bedrooms
4
2 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: £1,394–£1,625/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £72,250
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 (£16,215–£30,268 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £216,750 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£195
after mortgage, operating costs & tax
Rent in£1,505/mo gross
£1,447/mo collected · £58/mo lost to voids
Where it goes
£1,174Mortgage£468Costs
Outgoings exceed rent — you top up £195/mo
Mortgage£1,174
Costs£468
Management£151
Maintenance£100
Insurance£28
CapEx reserve£75
Voids + council tax£10
Ltd co. accounts£104
Tax—
Shortfall−£195
Returns
Return before costs on price6.25%
Cash return on cash-1.94%
Gross margin£979
Cash needed£120,255
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.23
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Bradford & South Dales · cap £748/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bradford & South Dales
- LHA monthly cap:
- £748
- Scheme type:
- nominee
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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 | £18,060 | £5,615 | £14,089 | £0 | £0 | -£1,644 | -£1,644 |
| Year 2 | £18,602 | £5,783 | £14,089 | £0 | £0 | -£1,270 | -£2,914 |
| Year 3 | £19,160 | £5,957 | £14,089 | £0 | £0 | -£886 | -£3,800 |
| Year 4 | £19,735 | £6,136 | £14,089 | £0 | £0 | -£490 | -£4,290 |
| Year 5 | £20,327 | £6,320 | £14,089 | £0 | £0 | -£82 | -£4,372 |
Rent by the room upside
What we verified
5007
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▾
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 21.8%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,818
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£4,372
Acquisition costs
25% deposit£72,250
Stamp duty£18,900
Refurb£21,620
Legal + survey£2,150
Mortgage + broker£5,335
Cash needed£120,255
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
SPACIOUS FOUR BEDROOM DETACHED STUNNING VIEWS FRONT & REAR CONVERTED GARAGE/OFFICE DESIRABLE POSITION Bronte Estates are delighted to offer for sale this well proportioned detached property at Well Heads in Thornton, boasting an open rural aspect to both the front and rear, along with light and airy accommodation across two floors. The property briefly comprises of a good-sized hallway, kitchen being open plan with the dining area and an opening to a spacious living room…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice