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Year 5 disposal
⊞ View all 5
31/ 100
Weak
7.05% return before costs — verify the rent + comps locally.
Why it works
- 7.05% return before costs — above-market
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£160/mo — mildly negative — equity build may cover
- -1.7% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£160/mo
You top up £160/mo
Price
£310K
No local sold comps to compare
Return · IRR
-1.7%/yr
Loses money over 5 years
Cash to get in
£117K
Deposit + fees + refurb
Return before costs on price 7.05%5-yr return on cash -1%Rent est. £1,822 (£1,686–£1,969)
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: £1,686–£1,969/mo · n=147
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 (£8,073–£15,070 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
-£160
after mortgage, operating costs & tax
Rent in£1,822/mo gross
£1,752/mo collected · £70/mo lost to voids
Where it goes
£1,259Mortgage£652Costs
Outgoings exceed rent — you top up £160/mo
Mortgage£1,259
Costs£652
Management£182
Maintenance£67
Insurance£28
CapEx reserve£91
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£160
Returns
Return before costs on price7.05%
Cash return on cash-1.63%
Gross margin£1,100
Cash needed£117,439
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.39
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 | £21,864 | £7,828 | £15,113 | £0 | £0 | -£1,077 | -£1,077 |
| Year 2 | £22,520 | £8,063 | £15,113 | £0 | £0 | -£656 | -£1,732 |
| Year 3 | £23,196 | £8,305 | £15,113 | £0 | £0 | -£222 | -£1,954 |
| Year 4 | £23,891 | £8,554 | £15,113 | £0 | £43 | £182 | -£1,772 |
| Year 5 | £24,608 | £8,811 | £15,113 | £0 | £130 | £555 | -£1,217 |
Disposal gain (gross)-£10,581
CGT£0
Net Disposal proceeds£333,708
What we verified
What we verified
24052 ok · 4 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Building condition
Energy ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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 cohortBR2 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 14.4 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 · 945 sqft · London ×1.4
£32k–£60k
£ per sqft
building cost only
£33–£64
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£9,450–£17,010
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£13,230–£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 licensingN/A
Price & sale history88d on marketno cuts yet
Strategy matrix
Rent it out wins — -£160/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 | 7.05% | -£160 | £117,439 | -1.0% | Low | Feasible |
| Housing-benefit rent | 2.90% | -£1,080 | £117,439 | -51.5% | Med | Feasible |
| Council lease | 0.00% | -£1,634 | £117,439 | -84.6% | Low | Feasible |
| Refurb & refinance | 7.05% | -£160 | £137,245 | -0.9% | Med | Feasible |
| Short-stay let / Airbnb | 4.66% | -£1,007 | £117,439 | -50.3% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £348,595 | 6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context365 active short-lets nearby
Short-let market context
- 365 active short-let listings in this postcode
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 let25% occupancy
£161/night ADR
Based on 27 short-let comps nearby
Rent by the room conversion upside
-£251/mo cash flow vs Rent it out if converted to Rent by the room
9.29% Return before costs on price converted vs 7.05% as-is
As-is Rent it out
Monthly profit+£52
Return before costs on price7.05%
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-£251
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
£61,600
Range: £53,200 – £72,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£59,220–£110,625full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£4,725–£8,505
- Replumb£3,780–£7,560
- Windows£10,395–£18,900
- Paint + decor£9,450–£17,010
- Flooring£13,230–£24,570
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£21,864
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,918
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-£1,217
Rates as of Oct 2024
Acquisition costs
£117,439cash neededPurchase price£310,000
Deposit (25%)£77,500
Stamp duty+5% additional-property surcharge£21,000
Refurb£10,764
Legal + survey£2,525
Mortgage fees£5,650
Total cash neededdeposit + costs (loan covers the rest)£117,439
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Guide Price : £310,000 - £325,000 This well presented two bedroom raised ground floor apartment is welcomed to the market CHAIN FREE. On a quiet residential street surrounded by picturesque greenery, with parking. Located in close proximity to Bromley South Station & local amenities.
Floor plans
Nearby active comparables20 rentals
Comparable rentals
BR2 · same beds + typeMedian nearby: £1,850/mo · 13 of 20 already let+£28 vs our est
- St. Marks Road Bromley BR22b£2,000/moMay 2026
- Burwood Avenue Bromley BR22b£1,850/moMay 2026
- St. Marks Road Bromley BR22b£1,950/moMay 2026
- Mackintosh Street, Bromley, BR2Let2b£1,700/moMay 2026
- St. Marks Road Bromley BR2Let2b£2,000/moMay 2026
- Burwood Avenue Bromley BR2Let2b£1,850/moMay 2026
- St. Marks Road Bromley BR2Let2b£1,950/moMay 2026
- Tredwell Close, Bromley, BR2Let2b£1,850/moMay 2026
- Hollydene, Bromley, BR2Let2b£1,800/moMay 2026
- Keeping Court, Bromley, BR2Let2b£2,500/moMay 2026
- Hillview, Bromley, BR2Let2b£1,700/moMay 2026
- Mackintosh Street, Bromley, BR2Let2b£1,700/moMay 2026
- Queen Anne Avenue, BromleyLet2b£1,750/moMay 2026
- Maxim Apartments, Wheeler Place, Bro…Let2b£1,800/moMay 2026
- Westmoreland Road, Bromley, BR22b£1,800/moMay 2026
- Masons Hill, Bromley, Kent, BR22b£1,800/moMay 2026
- 5 Jefferson Place Bromley BR22b£1,795/moMay 2026
- Tredwell Close, Bromley, BR2Let2b£1,850/moMay 2026
- River Park Gardens, Bromley, BR22b£1,950/moMay 2026
- Wells View Drive Bromley BR2Let2b£1,850/moMay 2026
Other deals nearby
BR2 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metaonthemarket · Kinleigh Folkard & Hayward - Bromley Sales
About this listing
88 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£160
Cash needed
£117K
Return after costs
-1.63%
IRR
-1.71%
Listed 88d ago
Durham Avenue, Bromley, BR2, Bromley, BR2
flat · 2 bed · 1 bath
£310,000
est £1,822 · 7.05% gross
Chain freeEPC D
1 / 5
31/100
Marginal
7.05% — verify the rent + comps locally.
7.05% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Chain free
Price
£310K
Return before costs
7.05%
est rent £1,822/mo147 comps within 1 kmRange £1,686–£1,969/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £1,686–£1,969/mo · n=147
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 (£8,073–£15,070 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
-£160
after mortgage, operating costs & tax
Rent in£1,822/mo gross
£1,752/mo collected · £70/mo lost to voids
Where it goes
£1,259Mortgage£652Costs
Outgoings exceed rent — you top up £160/mo
Mortgage£1,259
Costs£652
Management£182
Maintenance£67
Insurance£28
CapEx reserve£91
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£160
Returns
Return before costs on price7.05%
Cash return on cash-1.63%
Gross margin£1,100
Cash needed£117,439
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.39
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context365 active short-lets nearby
Short-let market context
- 365 active short-let listings in this postcode
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 | £21,864 | £7,828 | £15,113 | £0 | £0 | -£1,077 | -£1,077 |
| Year 2 | £22,520 | £8,063 | £15,113 | £0 | £0 | -£656 | -£1,732 |
| Year 3 | £23,196 | £8,305 | £15,113 | £0 | £0 | -£222 | -£1,954 |
| Year 4 | £23,891 | £8,554 | £15,113 | £0 | £43 | £182 | -£1,772 |
| Year 5 | £24,608 | £8,811 | £15,113 | £0 | £130 | £555 | -£1,217 |
Rent by the room upside
What we verified
2406
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▾
EPC~£3,000–£7,000 to upgrade to CD
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 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£3,023
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£1,217
Acquisition costs
25% deposit£77,500
Stamp duty£21,000
Refurb£10,764
Legal + survey£2,525
Mortgage + broker£5,650
Cash needed£117,439
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
Guide Price : £310,000 - £325,000 This well presented two bedroom raised ground floor apartment is welcomed to the market CHAIN FREE. On a quiet residential street surrounded by picturesque greenery, with parking. Located in close proximity to Bromley South Station & local amenities.
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice