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Year 5 disposal
⊞ View all 5
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- EPC C — MEES compliant
Why to be cautious
- Leasehold 80yr — verify at solicitor
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£524/mo — heavily negative — needs monthly capital injection
- 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
−£524/mo
You top up £524/mo
Price
£38K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
£26K
Deposit + fees + refurb
5-yr return on cash -128%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £9,375
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 — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £28,125 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 sub-£200K
Maintenance (£/mo)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£524
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£152Mortgage£372Costs
Outgoings exceed rent — you top up £524/mo
Mortgage£152
Costs£372
Maintenance£67
Insurance£20
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£524
Returns
Return before costs on price0.00%
Cash return on cash-24.59%
Gross margin-£372
Cash needed£25,577
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £4,462 | £1,828 | £0 | £0 | -£6,290 | -£6,290 |
| Year 2 | £0 | £4,596 | £1,828 | £0 | £0 | -£6,424 | -£12,714 |
| Year 3 | £0 | £4,734 | £1,828 | £0 | £0 | -£6,562 | -£19,276 |
| Year 4 | £0 | £4,876 | £1,828 | £0 | £0 | -£6,704 | -£25,980 |
| Year 5 | £0 | £5,022 | £1,828 | £0 | £0 | -£6,850 | -£32,830 |
Disposal gain (gross)-£11,771
CGT£0
Net Disposal proceeds£40,368
What we verified
What we verified
33053 ok · 3 caution · 0 fail · 5 unknown
Legal & planning
Leasehold80 yr
Tenure & planning80 yr
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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 profileMixed demand
Tenant profilelikely cohortBB2 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Manchester Metropolitan · 33.6 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 history83d on marketno cuts yet
Strategy matrix
Council lease wins — -£519/mo · £6/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 0.00% | -£524 | £25,577 | -128.4% | Low | Feasible |
| Housing-benefit rent | 0.00% | -£530 | £25,577 | -129.8% | Med | Feasible |
| ⭐ Council lease | 0.00% | -£519 | £25,577 | -126.9% | Low | Feasible |
| Refurb & refinance | 0.00% | -£524 | £31,758 | -103.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £56,445 | -23% | 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
+£1,051/mo cash flow vs Rent it out if converted to Rent by the room
76.80% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£349
Return before costs on price0.00%
Cash needed£21,273
If converted to Rent by the room
Monthly profit+£702
Return before costs on price76.80%
Cash needed£37,273
Δ vs Rent it out Monthly profit+£1,051
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
£22,500
Range: £19,125 – £25,875
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£11,950–£22,500full refurb + room split
⚠️ Capped at 60% of £37,500 asking (£22,500). Raw model: £42,690–£80,380. Verify with a surveyor before offering.
What's in this cost
- Kitchen£2,419–£4,837
- 1 × bathroom£1,596–£2,925
- Rewire£907–£1,587
- Replumb£680–£1,360
- Windows£2,267–£4,081
- Paint + decor£1,587–£2,948
- Flooring£2,494–£4,761
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£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£6,290
Exit costs
Projected sale price (5y · 2%/yr growth)£41,403
Capital gain (pre-CGT)£3,903
Sale costs (~2.5%)£1,035
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-£32,830
Rates as of Oct 2024
Acquisition costs
£25,577cash neededPurchase price£37,500
Deposit (25%)£9,375
Stamp duty+5% additional-property surcharge£1,875
Refurb£10,764
Legal + survey£2,000
Mortgage fees£1,563
Total cash neededdeposit + costs (loan covers the rest)£25,577
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Modern 2-Bedroom Bungalow in Blackburn – Over 55’s Shared Ownership (25%)
SHARED OWNERSHIP Two-bedroom Bungalow available to purchase at a 25% share from £37,500 with a minimum 5% mortgage deposit of £7500. Call today to arrange your appointment to view & discuss this individual home!
This beautifully presented semi-detached Bungalow has a driveway parking for one car. Inside, you’ll find a spacious modern lounge, a well-appointed kitchen, and a dining area perfect for ever…
Floor plans
Listing metaonthemarket · Entwistle Green - Blackburn
About this listing
83 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£524
Cash needed
£26K
Return after costs
-24.59%
IRR
—
Listed 83d ago
Mosley Walk, Blackburn, Lancashire, BB2, Blackburn, BB2
bungalow · 2 bed · 1 bath
£37,500
Leasehold 80yrEPC C
1 / 5
0/100
Marginal
No rent data — verify locally before offering.
Lease 80 yrs — extend before exit
Price
£38K
Return before costs
—
rent unknown
Bedrooms
2
1 bath
Energy rating
C
Energy rating
Deal flags1 issue
Shared ownership
Restricted resale; staircasing required
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £9,375
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 — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £28,125 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 sub-£200K
Maintenance (£/mo)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£524
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£152Mortgage£372Costs
Outgoings exceed rent — you top up £524/mo
Mortgage£152
Costs£372
Maintenance£67
Insurance£20
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£524
Returns
Return before costs on price0.00%
Cash return on cash-24.59%
Gross margin-£372
Cash needed£25,577
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £4,462 | £1,828 | £0 | £0 | -£6,290 | -£6,290 |
| Year 2 | £0 | £4,596 | £1,828 | £0 | £0 | -£6,424 | -£12,714 |
| Year 3 | £0 | £4,734 | £1,828 | £0 | £0 | -£6,562 | -£19,276 |
| Year 4 | £0 | £4,876 | £1,828 | £0 | £0 | -£6,704 | -£25,980 |
| Year 5 | £0 | £5,022 | £1,828 | £0 | £0 | -£6,850 | -£32,830 |
Rent by the room upside
What we verified
3306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining80 yr
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 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£366
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£32,830
Acquisition costs
25% deposit£9,375
Stamp duty£1,875
Refurb£10,764
Legal + survey£2,000
Mortgage + broker£1,563
Cash needed£25,577
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
Modern 2-Bedroom Bungalow in Blackburn – Over 55’s Shared Ownership (25%)
SHARED OWNERSHIP Two-bedroom Bungalow available to purchase at a 25% share from £37,500 with a minimum 5% mortgage deposit of £7500. Call today to arrange your appointment to view & discuss this individual home!
This beautifully presented semi-detached Bungalow has a driveway parking for one car. Inside, you’ll find a spacious modern lounge, a well-appointed kitchen, and a dining area perfect for ever…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice