Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 5
23/ 100
Weak
8.48% return before costs — verify the rent + comps locally.
Why it works
- 8.48% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- Monthly profit −£153/mo — mildly negative — equity build may cover
- -3.6% 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
−£153/mo
You top up £153/mo
Price
£130K
No local sold comps to compare
Return · IRR
-3.6%/yr
Loses money over 5 years
Cash to get in
£50K
Deposit + fees + refurb
Return before costs on price 8.48%5-yr return on cash -11%Rent est. £919 (£819–£1,031)
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: £819–£1,031/mo · n=130
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£153
after mortgage, operating costs & tax
Rent in£919/mo gross
£884/mo collected · £35/mo lost to voids
Where it goes
£528Mortgage£509Costs
Outgoings exceed rent — you top up £153/mo
Mortgage£528
Costs£509
Management£92
Maintenance£67
Insurance£20
CapEx reserve£46
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£153
Returns
Return before costs on price8.48%
Cash return on cash-3.65%
Gross margin£375
Cash needed£50,467
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.67
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £11,028 | £6,107 | £6,338 | £0 | £0 | -£1,416 | -£1,416 |
| Year 2 | £11,359 | £6,290 | £6,338 | £0 | £0 | -£1,269 | -£2,685 |
| Year 3 | £11,700 | £6,479 | £6,338 | £0 | £0 | -£1,116 | -£3,801 |
| Year 4 | £12,051 | £6,673 | £6,338 | £0 | £0 | -£960 | -£4,761 |
| Year 5 | £12,412 | £6,873 | £6,338 | £0 | £0 | -£799 | -£5,560 |
Disposal gain (gross)-£5,075
CGT£0
Net Disposal proceeds£139,942
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
Critical
Lender impact
Top-floor / penthouse listing — building almost certainly > 11 m. Must have EWS1 or PAS 9980 to be mortgageable; verify with vendor.
Most lenders refuse
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 cohortGL53 · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
UWE Bristol · 55 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
1-bed · 1-bath · 630 sqft
£19k–£37k
£ per sqft
building cost only
£29–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£4,410–£8,190
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
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 history71d on marketno cuts yet
Strategy matrix
Short-stay let / Airbnb wins — +£299/mo · £453/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 | 8.48% | -£153 | £50,467 | -11.0% | Low | Feasible |
| Housing-benefit rent | 5.07% | -£491 | £50,467 | -52.7% | Med | Feasible |
| Council lease | 0.00% | -£894 | £50,467 | -109.0% | Low | Feasible |
| Refurb & refinance | 8.48% | -£153 | £59,534 | -9.3% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 20.06% | +£299 | £50,467 | 41.2% | High | Feasible |
| Buy, improve & sell | 0.00% | -£366 | £147,584 | 5% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 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 let60% occupancy
£118/night ADR
Based on 6 short-let comps nearby
Rent by the room conversion upside
+£381/mo cash flow vs Rent it out if converted to Rent by the room
22.15% Return before costs on price converted vs 8.48% as-is
As-is Rent it out
Monthly profit+£28
Return before costs on price8.48%
Cash needed£44,398
If converted to Rent by the room
Monthly profit+£409
Return before costs on price22.15%
Cash needed£60,398
Δ vs Rent it out Monthly profit+£381
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
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
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- Not ratedGastrells Community Primary SchoolPrimary · Community school · GL5 3PS
- Not ratedRodborough Community Primary SchoolPrimary · Community school · GL5 3RT
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
Annual gross rent£11,028
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,840
Exit costs
Projected sale price (5y · 2%/yr growth)£143,531
Capital gain (pre-CGT)£13,531
Sale costs (~2.5%)£3,588
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-£5,560
Rates as of Oct 2024
Acquisition costs
£50,467cash neededPurchase price£130,000
Deposit (25%)£32,500
Stamp duty+5% additional-property surcharge£6,600
Refurb£6,417
Legal + survey£2,000
Mortgage fees£2,950
Total cash neededdeposit + costs (loan covers the rest)£50,467
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
This spacious one bedroom, top floor apartment is located within close proximity to Cheltenham town centre, Sandford Park & other local amenities. Ideal for first time buyers or as a low maintenance buy to let, viewing is advised to appreciate all this property offers. The property briefly comprises, hall, one double bedroom, bathroom & open plan kitchen & living area. The property further benefits from electric heating, double glazing throughout, a share of the freehold & is…
Floor plans
Nearby active comparables5 deals
Comparable rentals
GL53 · same beds + typeNo nearby rentals matched on postcode prefix + bedrooms + property type.
Listing metaonthemarket · The Property Centre - Cheltenham
About this listing
71 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£153
Cash needed
£50K
Return after costs
-3.65%
IRR
-3.57%
Listed 71d ago
Bath Road, Cheltenham, Gloucestershire, GL53, Cheltenham, GL53
flat · 1 bed · 1 bath
£130,000
est £919 · 8.48% gross
1 / 5
23/100
Marginal
8.48% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.48% Return before costs — above-market
Price
£130K
Return before costs
8.48%
est rent £919/mo130 comps within 1 kmRange £819–£1,031/mo (Q1–Q3)
Bedrooms
1
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: £819–£1,031/mo · n=130
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£153
after mortgage, operating costs & tax
Rent in£919/mo gross
£884/mo collected · £35/mo lost to voids
Where it goes
£528Mortgage£509Costs
Outgoings exceed rent — you top up £153/mo
Mortgage£528
Costs£509
Management£92
Maintenance£67
Insurance£20
CapEx reserve£46
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£153
Returns
Return before costs on price8.48%
Cash return on cash-3.65%
Gross margin£375
Cash needed£50,467
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.67
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 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 | £11,028 | £6,107 | £6,338 | £0 | £0 | -£1,416 | -£1,416 |
| Year 2 | £11,359 | £6,290 | £6,338 | £0 | £0 | -£1,269 | -£2,685 |
| Year 3 | £11,700 | £6,479 | £6,338 | £0 | £0 | -£1,116 | -£3,801 |
| Year 4 | £12,051 | £6,673 | £6,338 | £0 | £0 | -£960 | -£4,761 |
| Year 5 | £12,412 | £6,873 | £6,338 | £0 | £0 | -£799 | -£5,560 |
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£1,268
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£5,560
Acquisition costs
25% deposit£32,500
Stamp duty£6,600
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£2,950
Cash needed£50,467
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 spacious one bedroom, top floor apartment is located within close proximity to Cheltenham town centre, Sandford Park & other local amenities. Ideal for first time buyers or as a low maintenance buy to let, viewing is advised to appreciate all this property offers. The property briefly comprises, hall, one double bedroom, bathroom & open plan kitchen & living area. The property further benefits from electric heating, double glazing throughout, a share of the freehold & is…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice