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Year 5 disposal
⊞ View all 5
28/ 100
Weak
6.81% return before costs — verify the rent + comps locally.
Why it works
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£17/mo — mildly negative — equity build may cover
- -0.4% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£17/mo
You top up £17/mo
Price
£435K
No local sold comps to compare
Return · IRR
-0.4%/yr
Loses money over 5 years
Cash to get in
£171K
Deposit + fees + refurb
Return before costs on price 6.81%5-yr return on cash 5%Rent est. £2,469 (£1,995–£3,056)
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: £1,995–£3,056/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £108,750
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £326,250 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
-£17
after mortgage, operating costs & tax
Rent in£2,469/mo gross
£2,374/mo collected · £95/mo lost to voids
Where it goes
£1,767Mortgage£623Costs
Outgoings exceed rent — you top up £17/mo
Mortgage£1,767
Costs£623
Management£247
Maintenance£100
Insurance£40
CapEx reserve£123
Voids + council tax£9
Ltd co. accounts£104
Tax—
Shortfall−£17
Returns
Return before costs on price6.81%
Cash return on cash-0.12%
Gross margin£1,751
Cash needed£171,383
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.34
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 | £29,628 | £7,481 | £21,206 | £0 | £179 | £762 | £762 |
| Year 2 | £30,517 | £7,706 | £21,206 | £0 | £305 | £1,300 | £2,062 |
| Year 3 | £31,432 | £7,937 | £21,206 | £0 | £435 | £1,854 | £3,916 |
| Year 4 | £32,375 | £8,175 | £21,206 | £0 | £569 | £2,425 | £6,341 |
| Year 5 | £33,347 | £8,420 | £21,206 | £0 | £707 | £3,013 | £9,354 |
Disposal gain (gross)-£21,840
CGT£0
Net Disposal proceeds£468,268
What we verified
What we verified
60066 ok · 0 caution · 0 fail · 6 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 ratingC
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand C
MEES 2030 compliance
C required for new tenancies
PASS
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 cohortCV4 · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Birmingham City · 20.8 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 history87d on marketno cuts yet
Strategy matrix
Rent by the room wins — +£161/mo · £178/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 | 6.81% | -£17 | £171,383 | 5.5% | Low | Feasible |
| Housing-benefit rent | 2.75% | -£1,278 | £171,383 | -40.8% | Med | Feasible |
| Council lease | 0.00% | -£2,011 | £171,383 | -70.9% | Low | Feasible |
| Refurb & refinance | 6.81% | -£17 | £200,916 | 4.7% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£244 | £497,891 | 5% | Med | Feasible |
| ⭐ Rent by the room | 3.97% * | +£161 | £174,250 | — | — | 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
-£769/mo cash flow vs Rent it out if converted to Rent by the room
6.62% Return before costs on price converted vs 6.81% as-is
£435k → 6-bed HMO @ ~£509/room: £2,884 pcm gross, ~£1,656 pcm net (4.0% net on £500k all-in incl. ~£30k works); GDV ~£234k → refinance releases ~£-151k (~£325k left in)
medium confidence
Unlocks ~£13,272/yr extra rent
4 → 6 lettable rooms · ~4.8% 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 7 habitable rooms (4 beds + 3 reception(s)) in 145 m²; convert 2 spare room(s) to bedrooms, keeping one reception as the lounge → up to 6 lettable rooms (1 double, 1 single) (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; adds ~£1,106/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 → 6 bed HMO+1 double, +1 single3.97% net on cost1.11% cash-on-cashuplift 6.81% → 4.76%
💷 Refinance could release ~-£150,885
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 @ £568/mo1× Single @ £457/mo1× En-suite @ £620/mo
≈ £2,212/mo gross room income
As-is Rent it out
Monthly profit+£82
Return before costs on price6.81%
Cash needed£120,648
If converted to Rent by the room
Monthly profit-£687
Return before costs on price6.62%
Cash needed£136,648
Δ vs Rent it out Monthly profit-£769
+2 rooms (6 total)
Monthly profit-£23
Return before costs on price9.15%
Cash needed£156,648
Extra rent+£1,106/mo
Show conversion detail
Conversion cost estimate
£28,600
Range: £22,000 – £37,400
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£69,580–£130,610full refurb + room split
What's in this cost
- Kitchen£9,180–£18,360
- 2 × bathroom£12,300–£22,550
- Rewire£5,200–£9,100
- Replumb£3,900–£7,800
- Windows£13,000–£23,400
- Paint + decor£10,400–£19,500
- Flooring£15,600–£29,900
Based on 1022 HMO comps within 2.3 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£29,628
Section 24 credit£0
Annual tax due£179
Post-tax Monthly profit annual-£378
Exit costs
Projected sale price (5y · 2%/yr growth)£480,275
Capital gain (pre-CGT)£45,275
Sale costs (~2.5%)£12,007
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£9,354
Rates as of Oct 2024
Acquisition costs
£171,383cash neededPurchase price£435,000
Deposit (25%)£108,750
Stamp duty+5% additional-property surcharge£33,500
Refurb£19,458
Legal + survey£2,150
Mortgage fees£7,525
Total cash neededdeposit + costs (loan covers the rest)£171,383
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Welcome to this well presented four-bedroom detached family home that is ready to move straight into. Step inside through the welcoming entrance hall and you’ll immediately appreciate the sense of space and light that flows throughout.
The heart of the home is the generous lounge, a perfect spot for relaxing with family or entertaining friends, with its soft neutral décor and large windows that let in plenty of natural light. The adjoining dining area is ideal for both casua…
Floor plans
Listing metaonthemarket · Elizabeth Davenport - Kenilworth
About this listing
87 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£17
Cash needed
£171K
Return after costs
-0.12%
IRR
-0.44%
Listed 87d ago
Massey Close, Coventry, CV4, Coventry, CV4
detached · 4 bed · 2 bath
£435,000
est £2,469 · 6.81% gross
EPC C
1 / 5
28/100
Marginal
6.81% — verify the rent + comps locally.
6.81% Return before costs — around the area average for this property type.
Monthly profit −£17/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating C — Min. energy standard 2030 compliant.
Price
£435K
Return before costs
6.81%
est rent £2,469/monot enough comparablesRange £1,995–£3,056/mo (Q1–Q3)
Bedrooms
4
2 bath
Energy rating
C
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: £1,995–£3,056/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £108,750
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £326,250 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
-£17
after mortgage, operating costs & tax
Rent in£2,469/mo gross
£2,374/mo collected · £95/mo lost to voids
Where it goes
£1,767Mortgage£623Costs
Outgoings exceed rent — you top up £17/mo
Mortgage£1,767
Costs£623
Management£247
Maintenance£100
Insurance£40
CapEx reserve£123
Voids + council tax£9
Ltd co. accounts£104
Tax—
Shortfall−£17
Returns
Return before costs on price6.81%
Cash return on cash-0.12%
Gross margin£1,751
Cash needed£171,383
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.34
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 | £29,628 | £7,481 | £21,206 | £0 | £179 | £762 | £762 |
| Year 2 | £30,517 | £7,706 | £21,206 | £0 | £305 | £1,300 | £2,062 |
| Year 3 | £31,432 | £7,937 | £21,206 | £0 | £435 | £1,854 | £3,916 |
| Year 4 | £32,375 | £8,175 | £21,206 | £0 | £569 | £2,425 | £6,341 |
| Year 5 | £33,347 | £8,420 | £21,206 | £0 | £707 | £3,013 | £9,354 |
Rent by the room upside
What we verified
6006
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▾
EPCEnergy efficiency ratingC
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£4,241
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£9,354
Acquisition costs
25% deposit£108,750
Stamp duty£33,500
Refurb£19,458
Legal + survey£2,150
Mortgage + broker£7,525
Cash needed£171,383
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
Welcome to this well presented four-bedroom detached family home that is ready to move straight into. Step inside through the welcoming entrance hall and you’ll immediately appreciate the sense of space and light that flows throughout.
The heart of the home is the generous lounge, a perfect spot for relaxing with family or entertaining friends, with its soft neutral décor and large windows that let in plenty of natural light. The adjoining dining area is ideal for both casua…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice