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Year 5 disposal
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20/ 100
Weak
4.89% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£369/mo — significantly negative — real recurring drain
- -6.0% 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
−£369/mo
You top up £369/mo
Price
£220K
No local sold comps to compare
Return · IRR
-6.0%/yr
Loses money over 5 years
Cash to get in
£75K
Deposit + fees + refurb
Return before costs on price 4.89%5-yr return on cash -24%Rent est. £897 (£851–£945)
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
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: £851–£945/mo · n=119
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £165,000 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
-£369
after mortgage, operating costs & tax
Rent in£897/mo gross
£863/mo collected · £35/mo lost to voids
Where it goes
£859Mortgage£372Costs
Outgoings exceed rent — you top up £369/mo
Mortgage£859
Costs£372
Management£90
Maintenance£100
Insurance£28
CapEx reserve£45
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£369
Returns
Return before costs on price4.89%
Cash return on cash-5.89%
Gross margin£490
Cash needed£75,250
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.97
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 | £10,764 | £4,469 | £10,313 | £0 | £0 | -£4,017 | -£4,017 |
| Year 2 | £11,087 | £4,603 | £10,313 | £0 | £0 | -£3,828 | -£7,845 |
| Year 3 | £11,420 | £4,741 | £10,313 | £0 | £0 | -£3,634 | -£11,479 |
| Year 4 | £11,762 | £4,883 | £10,313 | £0 | £0 | -£3,433 | -£14,912 |
| Year 5 | £12,115 | £5,029 | £10,313 | £0 | £0 | -£3,227 | -£18,139 |
Disposal gain (gross)£875
CGT£166
Net Disposal proceeds£236,659
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
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
SchoolsNo postcode
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Nottingham Trent · 52.7 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
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 history87d on marketno cuts yet
Strategy matrix
Rent it out wins — -£369/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 | 4.89% | -£369 | £75,250 | -24.1% | Low | Feasible |
| Housing-benefit rent | 3.40% | -£633 | £75,250 | -45.3% | Med | Feasible |
| Council lease | 0.00% | -£1,092 | £75,250 | -88.2% | Low | Feasible |
| Refurb & refinance | 4.89% | -£369 | £86,790 | -20.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £236,490 | 10% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
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
+£459/mo cash flow vs Rent it out if converted to Rent by the room
13.09% Return before costs on price converted vs 4.89% as-is
As-is Rent it out
Monthly profit-£334
Return before costs on price4.89%
Cash needed£66,898
If converted to Rent by the room
Monthly profit+£124
Return before costs on price13.09%
Cash needed£82,898
Δ vs Rent it out Monthly profit+£459
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
£42,690–£80,380full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
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
Tax treatment
Annual gross rent£10,764
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£4,431
Exit costs
Projected sale price (5y · 2%/yr growth)£242,898
Capital gain (pre-CGT)£22,898
Sale costs (~2.5%)£6,072
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-£18,139
Rates as of Oct 2024
Acquisition costs
£75,250cash neededPurchase price£220,000
Deposit (25%)£55,000
Stamp duty+5% additional-property surcharge£12,900
Refurb£1,350
Legal + survey£1,700
Mortgage fees£4,300
Total cash neededdeposit + costs (loan covers the rest)£75,250
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
SUMMARY This beautifully presented detached bungalow is situated on a quiet cul-de-sac within the sought after village of Branston. Benefitting from immaculate accommodation throughout, fitted kitchen/diner with island, ample driveway parking and a detached garage.
DESCRIPTION Boasting a tucked away position within a quiet cul-de-sac is this fantastic two bedroom detached bungalow, enjoying local access to a wide range of amenities including shops, eateries, public houses, p…
Floor plans
Listing metaonthemarket · William H Brown - Lincoln
About this listing
87 days · OnTheMarketPrice history
No price history available.
Monthly profit
−£369
Cash needed
£75K
Return after costs
-5.89%
IRR
-6.03%
Listed 87d ago
Villa Close, Branston, Lincoln, Lincoln
detached · 2 bed · 1 bath
£220,000
est £897 · 4.89% gross
1 / 5
20/100
Marginal
4.89% — verify the rent + comps locally.
4.89% Return before costs — around the area average for this property type.
Monthly profit −£369/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£220K
Return before costs
4.89%
est rent £897/monot enough comparablesRange £851–£945/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Run the numbers
What-if calculator
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: £851–£945/mo · n=119
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £165,000 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
-£369
after mortgage, operating costs & tax
Rent in£897/mo gross
£863/mo collected · £35/mo lost to voids
Where it goes
£859Mortgage£372Costs
Outgoings exceed rent — you top up £369/mo
Mortgage£859
Costs£372
Management£90
Maintenance£100
Insurance£28
CapEx reserve£45
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£369
Returns
Return before costs on price4.89%
Cash return on cash-5.89%
Gross margin£490
Cash needed£75,250
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.97
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 | £10,764 | £4,469 | £10,313 | £0 | £0 | -£4,017 | -£4,017 |
| Year 2 | £11,087 | £4,603 | £10,313 | £0 | £0 | -£3,828 | -£7,845 |
| Year 3 | £11,420 | £4,741 | £10,313 | £0 | £0 | -£3,634 | -£11,479 |
| Year 4 | £11,762 | £4,883 | £10,313 | £0 | £0 | -£3,433 | -£14,912 |
| Year 5 | £12,115 | £5,029 | £10,313 | £0 | £0 | -£3,227 | -£18,139 |
Rent by the room upside
What we verified
3206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 · OfstedNo postcode
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£2,063
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£18,139
Acquisition costs
25% deposit£55,000
Stamp duty£12,900
Refurb£1,350
Legal + survey£1,700
Mortgage + broker£4,300
Cash needed£75,250
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 copyOnTheMarket
SUMMARY This beautifully presented detached bungalow is situated on a quiet cul-de-sac within the sought after village of Branston. Benefitting from immaculate accommodation throughout, fitted kitchen/diner with island, ample driveway parking and a detached garage.
DESCRIPTION Boasting a tucked away position within a quiet cul-de-sac is this fantastic two bedroom detached bungalow, enjoying local access to a wide range of amenities including shops, eateries, public houses, p…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice