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Year 5 disposal
⊞ View all 5
20/ 100
Weak
6.37% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£293/mo — significantly negative — real recurring drain
- -2.9% 5y IRR — capital outlay disproportionate to returns
- 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
−£293/mo
You top up £293/mo
Price
£350K
No local sold comps to compare
Return · IRR
-2.9%/yr
Loses money over 5 years
Cash to get in
£135K
Deposit + fees + refurb
Return before costs on price 6.37%5-yr return on cash -7%Rent est. £1,858 (£1,705–£2,025)
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: £1,705–£2,025/mo · n=156
Financing
DepositYour cash in — the rest is the mortgage25% · £87,500
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 (£9,974–£18,617 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,500 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
-£293
after mortgage, operating costs & tax
Rent in£1,858/mo gross
£1,787/mo collected · £71/mo lost to voids
Where it goes
£1,422Mortgage£658Costs
Outgoings exceed rent — you top up £293/mo
Mortgage£1,422
Costs£658
Management£186
Maintenance£67
Insurance£28
CapEx reserve£93
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£293
Returns
Return before costs on price6.37%
Cash return on cash-2.61%
Gross margin£1,129
Cash needed£134,573
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.26
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 | £22,296 | £7,893 | £17,063 | £0 | £0 | -£2,659 | -£2,659 |
| Year 2 | £22,965 | £8,130 | £17,063 | £0 | £0 | -£2,227 | -£4,887 |
| Year 3 | £23,654 | £8,374 | £17,063 | £0 | £0 | -£1,782 | -£6,669 |
| Year 4 | £24,363 | £8,625 | £17,063 | £0 | £0 | -£1,324 | -£7,993 |
| Year 5 | £25,094 | £8,884 | £17,063 | £0 | £0 | -£852 | -£8,844 |
Disposal gain (gross)-£14,055
CGT£0
Net Disposal proceeds£376,768
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
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 · 14.5 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 · 904 sqft · London ×1.4
£31k–£59k
£ per sqft
building cost only
£34–£65
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£9,040–£16,272
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£12,656–£23,504
Guide rates · UK May 2026
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 — -£293/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 | 6.37% | -£293 | £134,573 | -6.6% | Low | Feasible |
| Housing-benefit rent | 2.56% | -£1,242 | £134,573 | -52.2% | Med | Feasible |
| Council lease | 0.00% | -£1,796 | £134,573 | -81.1% | Low | Feasible |
| Refurb & refinance | 6.37% | -£293 | £157,392 | -5.6% | Med | Feasible |
| Short-stay let / Airbnb | 4.43% | -£1,129 | £134,573 | -49.2% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £396,142 | 5% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context308 active short-lets nearby
Short-let market context
- 308 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
£172/night ADR
Based on 19 short-let comps nearby
Rent by the room conversion upside
-£292/mo cash flow vs Rent it out if converted to Rent by the room
8.23% Return before costs on price converted vs 6.37% as-is
As-is Rent it out
Monthly profit-£62
Return before costs on price6.37%
Cash needed£99,398
If converted to Rent by the room
Monthly profit-£354
Return before costs on price8.23%
Cash needed£115,398
Δ vs Rent it out Monthly profit-£292
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
£57,416–£107,304full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£4,520–£8,136
- Replumb£3,616–£7,232
- Windows£9,944–£18,080
- Paint + decor£9,040–£16,272
- Flooring£12,656–£23,504
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£22,296
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,517
Exit costs
Projected sale price (5y · 2%/yr growth)£386,428
Capital gain (pre-CGT)£36,428
Sale costs (~2.5%)£9,661
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-£8,844
Rates as of Oct 2024
Acquisition costs
£134,573cash neededPurchase price£350,000
Deposit (25%)£87,500
Stamp duty+5% additional-property surcharge£25,000
Refurb£13,298
Legal + survey£2,525
Mortgage fees£6,250
Total cash neededdeposit + costs (loan covers the rest)£134,573
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
This ground floor two bedroom purpose built flat is offered for sale in good condition throughout and no onward chain. The flat also boasts over 900 Sqft of living space, along with a garage and located within a short walk to Bromley town centre and Bromley south mainline station with easy access into central London.
Floor plans
Nearby active comparables20 rentals
Comparable rentals
BR2 · same beds + typeMedian nearby: £1,850/mo · 13 of 20 already let-£8 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
−£293
Cash needed
£135K
Return after costs
-2.61%
IRR
-2.86%
Listed 88d ago
Durham Road, Bromley, Kent, BR2, Bromley, BR2
flat · 2 bed · 1 bath · 904 sqft
£350,000
est £1,858 · 6.37% gross
1 / 5
20/100
Marginal
6.37% — verify the rent + comps locally.
6.37% Return before costs — around the area average for this property type.
Monthly profit −£293/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£350K
Return before costs
6.37%
est rent £1,858/mo156 comps within 1 kmRange £1,705–£2,025/mo (Q1–Q3)
Bedrooms
2
1 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: £1,705–£2,025/mo · n=156
Financing
DepositYour cash in — the rest is the mortgage25% · £87,500
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 (£9,974–£18,617 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,500 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
-£293
after mortgage, operating costs & tax
Rent in£1,858/mo gross
£1,787/mo collected · £71/mo lost to voids
Where it goes
£1,422Mortgage£658Costs
Outgoings exceed rent — you top up £293/mo
Mortgage£1,422
Costs£658
Management£186
Maintenance£67
Insurance£28
CapEx reserve£93
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£293
Returns
Return before costs on price6.37%
Cash return on cash-2.61%
Gross margin£1,129
Cash needed£134,573
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.26
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context308 active short-lets nearby
Short-let market context
- 308 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 | £22,296 | £7,893 | £17,063 | £0 | £0 | -£2,659 | -£2,659 |
| Year 2 | £22,965 | £8,130 | £17,063 | £0 | £0 | -£2,227 | -£4,887 |
| Year 3 | £23,654 | £8,374 | £17,063 | £0 | £0 | -£1,782 | -£6,669 |
| Year 4 | £24,363 | £8,625 | £17,063 | £0 | £0 | -£1,324 | -£7,993 |
| Year 5 | £25,094 | £8,884 | £17,063 | £0 | £0 | -£852 | -£8,844 |
Rent by the room upside
What we verified
3207
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 · 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£3,413
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£8,844
Acquisition costs
25% deposit£87,500
Stamp duty£25,000
Refurb£13,298
Legal + survey£2,525
Mortgage + broker£6,250
Cash needed£134,573
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
This ground floor two bedroom purpose built flat is offered for sale in good condition throughout and no onward chain. The flat also boasts over 900 Sqft of living space, along with a garage and located within a short walk to Bromley town centre and Bromley south mainline station with easy access into central London.
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice