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Year 5 disposal
⊞ View all 5
0/ 100
Weak
4.77% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£477/mo — significantly negative — real recurring drain
- -5.0% 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
−£477/mo
You top up £477/mo
Price
£325K
No local sold comps to compare
Return · IRR
-5.0%/yr
Loses money over 5 years
Cash to get in
£123K
Deposit + fees + refurb
Return before costs on price 4.77%5-yr return on cash -18%Rent est. £1,292 (£1,252–£1,333)
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: £1,252–£1,333/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £81,250
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 (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £243,750 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
-£477
after mortgage, operating costs & tax
Rent in£1,292/mo gross
£1,242/mo collected · £50/mo lost to voids
Where it goes
£1,320Mortgage£399Costs
Outgoings exceed rent — you top up £477/mo
Mortgage£1,320
Costs£399
Management£129
Maintenance£67
Insurance£28
CapEx reserve£65
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£477
Returns
Return before costs on price4.77%
Cash return on cash-4.68%
Gross margin£843
Cash needed£122,539
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.94
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 | £15,504 | £4,794 | £15,844 | £0 | £0 | -£5,133 | -£5,133 |
| Year 2 | £15,969 | £4,937 | £15,844 | £0 | £0 | -£4,812 | -£9,945 |
| Year 3 | £16,448 | £5,086 | £15,844 | £0 | £0 | -£4,481 | -£14,426 |
| Year 4 | £16,942 | £5,238 | £15,844 | £0 | £0 | -£4,140 | -£18,567 |
| Year 5 | £17,450 | £5,395 | £15,844 | £0 | £0 | -£3,789 | -£22,356 |
Disposal gain (gross)-£10,558
CGT£0
Net Disposal proceeds£349,856
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
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 cohortSO32 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Southampton · 13.6 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 history70d on marketno cuts yet
Strategy matrix
Rent it out wins — -£477/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 | 4.77% | -£477 | £122,539 | -18.2% | Low | Feasible |
| Housing-benefit rent | 3.22% | -£875 | £122,539 | -38.0% | Med | Feasible |
| Council lease | 0.00% | -£1,519 | £122,539 | -75.0% | Low | Feasible |
| Refurb & refinance | 4.77% | -£477 | £143,095 | -15.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £364,720 | 6% | 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
+£167/mo cash flow vs Rent it out if converted to Rent by the room
8.86% Return before costs on price converted vs 4.77% as-is
As-is Rent it out
Monthly profit-£424
Return before costs on price4.77%
Cash needed£93,148
If converted to Rent by the room
Monthly profit-£257
Return before costs on price8.86%
Cash needed£109,148
Δ vs Rent it out Monthly profit+£167
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
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,690–£80,380full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
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£15,504
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£5,730
Exit costs
Projected sale price (5y · 2%/yr growth)£358,826
Capital gain (pre-CGT)£33,826
Sale costs (~2.5%)£8,971
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-£22,356
Rates as of Oct 2024
Acquisition costs
£122,539cash neededPurchase price£325,000
Deposit (25%)£81,250
Stamp duty+5% additional-property surcharge£22,500
Refurb£10,764
Legal + survey£2,150
Mortgage fees£5,875
Total cash neededdeposit + costs (loan covers the rest)£122,539
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
This attractive two-bedroom semi-detached home is tucked away within a private cul-de-sac in the highly sought-after village of Waltham Chase, offering well-presented accommodation ideally suited to first-time buyers, downsizers or investors.
The ground floor features a spacious and inviting sitting/dining room, providing ample space for both relaxing and entertaining. French doors open directly onto the rear garden, allowing plenty of natural light to flood the room while c…
Floor plans
Listing metaonthemarket · Charters - Bishops Waltham Sales
About this listing
70 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£477
Cash needed
£123K
Return after costs
-4.68%
IRR
-5.00%
Listed 70d ago
Chase Gardens, Waltham Chase, Southampton, Hampshire, SO32, Southampton, SO32
semi-detached · 2 bed · 1 bath
£325,000
est £1,292 · 4.77% gross
1 / 5
0/100
Marginal
4.77% — verify the rent + comps locally.
4.77% Return before costs — around the area average for this property type.
Monthly profit −£477/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£325K
Return before costs
4.77%
est rent £1,292/monot enough comparablesRange £1,252–£1,333/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: £1,252–£1,333/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £81,250
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 (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £243,750 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
-£477
after mortgage, operating costs & tax
Rent in£1,292/mo gross
£1,242/mo collected · £50/mo lost to voids
Where it goes
£1,320Mortgage£399Costs
Outgoings exceed rent — you top up £477/mo
Mortgage£1,320
Costs£399
Management£129
Maintenance£67
Insurance£28
CapEx reserve£65
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£477
Returns
Return before costs on price4.77%
Cash return on cash-4.68%
Gross margin£843
Cash needed£122,539
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.94
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 | £15,504 | £4,794 | £15,844 | £0 | £0 | -£5,133 | -£5,133 |
| Year 2 | £15,969 | £4,937 | £15,844 | £0 | £0 | -£4,812 | -£9,945 |
| Year 3 | £16,448 | £5,086 | £15,844 | £0 | £0 | -£4,481 | -£14,426 |
| Year 4 | £16,942 | £5,238 | £15,844 | £0 | £0 | -£4,140 | -£18,567 |
| Year 5 | £17,450 | £5,395 | £15,844 | £0 | £0 | -£3,789 | -£22,356 |
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£3,169
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£22,356
Acquisition costs
25% deposit£81,250
Stamp duty£22,500
Refurb£10,764
Legal + survey£2,150
Mortgage + broker£5,875
Cash needed£122,539
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 attractive two-bedroom semi-detached home is tucked away within a private cul-de-sac in the highly sought-after village of Waltham Chase, offering well-presented accommodation ideally suited to first-time buyers, downsizers or investors.
The ground floor features a spacious and inviting sitting/dining room, providing ample space for both relaxing and entertaining. French doors open directly onto the rear garden, allowing plenty of natural light to flood the room while c…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice