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Year 5 disposal
⊞ View all 5
30/ 100
Weak
6.77% Rent by the room return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£109/mo — mildly negative — equity build may cover
- -1.3% 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
−£109/mo
You top up £109/mo
Price
£400K
No local sold comps to compare
Return · IRR
-1.3%/yr
Loses money over 5 years
Cash to get in
£141K
Deposit + fees + refurb
Return before costs on price · Rent by the room 6.77%5-yr return on cash 3%Rent est. £2,180 (£2,022–£2,350)
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: £2,022–£2,350/mo · n=42
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
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 (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £300,000 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 £400K+
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£109
after mortgage, operating costs & tax
Rent in£2,180/mo gross
£2,096/mo collected · £84/mo lost to voids
Where it goes
£1,625Mortgage£580Costs
Outgoings exceed rent — you top up £109/mo
Mortgage£1,625
Costs£580
Management£218
Maintenance£100
Insurance£40
CapEx reserve£109
Voids + council tax£9
Ltd co. accounts£104
Tax—
Shortfall−£109
Returns
Return before costs on price6.54%
Cash return on cash-0.93%
Gross margin£1,516
Cash needed£140,500
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.29
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 | £26,160 | £6,961 | £19,500 | £0 | £0 | -£301 | -£301 |
| Year 2 | £26,945 | £7,170 | £19,500 | £0 | £52 | £223 | -£78 |
| Year 3 | £27,753 | £7,385 | £19,500 | £0 | £165 | £703 | £625 |
| Year 4 | £28,586 | £7,606 | £19,500 | £0 | £281 | £1,198 | £1,823 |
| Year 5 | £29,443 | £7,835 | £19,500 | £0 | £401 | £1,708 | £3,531 |
Disposal gain (gross)-£2,908
CGT£0
Net Disposal proceeds£430,592
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 cohortNR4 · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Cambridge · 88 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 · 3-bath · 1170 sqft
£35k–£68k
£ per sqft
building cost only
£30–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 3 × bathroom · Full strip + retile£9,975–£19,950
- 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 history88d on marketno cuts yet
Strategy matrix
Rent by the room wins — +£92/mo · £201/mo ahead of Rent it out (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 | 6.54% | -£109 | £140,500 | 2.5% | Low | Feasible |
| Housing-benefit rent | 3.29% | -£1,061 | £140,500 | -40.0% | Med | Feasible |
| Council lease | 0.00% | -£1,869 | £140,500 | -80.5% | Low | Feasible |
| Refurb & refinance | 6.54% | -£109 | £161,040 | 2.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£244 | £434,040 | 9% | Med | Feasible |
| ⭐ Rent by the room | 3.84% * | +£92 | £158,000 | — | — | 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.
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
-£553/mo cash flow vs Rent it out if converted to Rent by the room
7.20% Return before costs on price converted vs 6.54% as-is
£400k → 5-bed HMO @ ~£520/room: £2,559 pcm gross, ~£1,467 pcm net (3.8% net on £458k all-in incl. ~£26k works); GDV ~£235k → refinance releases ~£-124k (~£282k left in)
medium confidence
Unlocks ~£6,774/yr extra rent
4 → 5 lettable rooms · ~4.5% 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 6 habitable rooms (4 beds + 2 reception(s)) in 115 m²; convert 1 spare room(s) to bedrooms, keeping one reception as the lounge → up to 5 lettable rooms (incl. the garage — convertible to a bedroom or the communal area); sized to the England statutory minimum (6.51/10.22 m², SI 2018/616); council local standard not curated — may be higher, verify; 1 room size(s) not printed on the plan — counted but unverified vs the standard; adds ~£564/mo; loft conversion may add 1-2 further rooms (subject to head height/planning — not counted); 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 → 5 bed HMO+1 single3.84% net on cost0.7% cash-on-cashuplift 4.21% → 4.55%
💷 Refinance could release ~-£123,911
HMO licence
Sized to the England statutory minimum (6.51/10.22 m²) — the council may set higher; verify
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)
2× Double @ £573/mo1× Single @ £452/mo1× En-suite @ £660/mo
≈ £2,258/mo gross room income
As-is Rent it out
Monthly profit+£3
Return before costs on price6.54%
Cash needed£111,898
If converted to Rent by the room
Monthly profit-£550
Return before costs on price7.20%
Cash needed£127,898
Δ vs Rent it out Monthly profit-£553
+1 room (5 total)
Monthly profit-£244
Return before costs on price8.47%
Cash needed£137,898
Extra rent+£565/mo
Show conversion detail
Conversion cost estimate
£22,000
Range: £16,000 – £30,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£66,690–£124,680full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 3 × bathroom£17,100–£31,350
- Rewire£4,680–£8,190
- Replumb£3,510–£7,020
- Windows£11,700–£21,060
- Paint + decor£8,190–£15,210
- Flooring£12,870–£24,570
Based on 827 HMO comps within 3.5 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£26,160
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,307
Exit costs
Projected sale price (5y · 2%/yr growth)£441,632
Capital gain (pre-CGT)£41,632
Sale costs (~2.5%)£11,041
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£3,531
Rates as of Oct 2024
Acquisition costs
£140,500cash neededPurchase price£400,000
Deposit (25%)£100,000
Stamp duty+5% additional-property surcharge£30,000
Refurb£1,350
Legal + survey£2,150
Mortgage fees£7,000
Total cash neededdeposit + costs (loan covers the rest)£140,500
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
*No Onward Chain!* Occupying a desirable position within the ever-popular village of Cringleford, this immaculately presented four bedroom detached home offers a superb balance of space, style and practicality, perfectly suited to modern family living. From the moment you arrive, the property’s attractive frontage and driveway, providing off-road parking and access to the garage, set the tone for the well-maintained home that lies within.
Stepping inside, the entrance hall i…
Floor plans
Nearby active comparables6 rentals
Comparable rentals
NR4 · same beds + typeMedian nearby: £1,925/mo · 2 of 6 already let-£255 vs our est
- Sunningdale, NorwichLet4b£1,650/moMay 2026
- De Hague Road,Norwich,NR44b£1,800/moMay 2026
- Kingfisher Close, Cringleford, NR44b£1,900/moMay 2026
- Woolhouse Way, Cringleford, NORWICH4b£2,400/moMay 2026
- Raven Croft, Cringleford, Norwich4b£1,950/moMay 2026
- Lowther Road, Norwich, Norfolk NR4Let4b£475,000/moMay 2026
Other deals nearby
NR4 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metaonthemarket · Winkworth - Eaton
About this listing
88 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£109
Cash needed
£141K
Return after costs
-0.93%
IRR
-1.35%
Listed 88d ago
Brown Close, Cringleford, Norwich, Norfolk, NR4, Norwich, NR4
detached · 4 bed · 3 bath
£400,000
est £2,180 · 6.54% gross
1 / 5
30/100
Marginal
6.77% — verify the rent + comps locally.
6.54% Return before costs — around the area average for this property type.
Monthly profit −£109/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£400K
Return before costs (best)
6.77%
Rent by the room
Bedrooms
4
3 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: £2,022–£2,350/mo · n=42
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
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 (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £300,000 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 £400K+
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£109
after mortgage, operating costs & tax
Rent in£2,180/mo gross
£2,096/mo collected · £84/mo lost to voids
Where it goes
£1,625Mortgage£580Costs
Outgoings exceed rent — you top up £109/mo
Mortgage£1,625
Costs£580
Management£218
Maintenance£100
Insurance£40
CapEx reserve£109
Voids + council tax£9
Ltd co. accounts£104
Tax—
Shortfall−£109
Returns
Return before costs on price6.54%
Cash return on cash-0.93%
Gross margin£1,516
Cash needed£140,500
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.29
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 | £26,160 | £6,961 | £19,500 | £0 | £0 | -£301 | -£301 |
| Year 2 | £26,945 | £7,170 | £19,500 | £0 | £52 | £223 | -£78 |
| Year 3 | £27,753 | £7,385 | £19,500 | £0 | £165 | £703 | £625 |
| Year 4 | £28,586 | £7,606 | £19,500 | £0 | £281 | £1,198 | £1,823 |
| Year 5 | £29,443 | £7,835 | £19,500 | £0 | £401 | £1,708 | £3,531 |
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,900
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£3,531
Acquisition costs
25% deposit£100,000
Stamp duty£30,000
Refurb£1,350
Legal + survey£2,150
Mortgage + broker£7,000
Cash needed£140,500
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
*No Onward Chain!* Occupying a desirable position within the ever-popular village of Cringleford, this immaculately presented four bedroom detached home offers a superb balance of space, style and practicality, perfectly suited to modern family living. From the moment you arrive, the property’s attractive frontage and driveway, providing off-road parking and access to the garage, set the tone for the well-maintained home that lies within.
Stepping inside, the entrance hall i…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice