Real 7.22% return before costs with manageable risks.
Why it works
7.22% return before costs — above-market
Why to be cautious
Auction lot — bridging-only finance, 28-day completion
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
+£104/mo
Barely breaks even each month
Price
£400K
No local sold comps to compare
Return · IRR
0.6%/yr
Modest annualised return
Cash to get in
£154K
Deposit + fees + refurb
Return before costson price7.22%5-yr return on cash 11%Rent est. £2,408 (£2,270–£2,554)
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).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £2,270–£2,554/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£10,952–£20,443 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £300,000 loan + £1,000 booking fee
Cladding safety certificateNot stated on the listingHeritageNot 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.
Total cash neededdeposit + costs (loan covers the rest)£153,752
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Arranged over two light filled floors, this bay fronted period property offers generous living and entertaining space with ample storage and a patio garden.
Additional Comments
BidX1 and Foxtons are working in Partnership as Joint Agents for the online auction and due to this any enquiries, viewings, bids or offers on the property will require your details to be shared between both Bidx1 & Foxtons.
Viewings are by appointment only unless open house times are displayed, ple…
est rent £2,408/mo7 comps within 1.5 kmRange £2,270–£2,554/mo (Q1–Q3)
Bedrooms
3
2 bath
Energy rating
—
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £2,270–£2,554/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£10,952–£20,443 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £300,000 loan + £1,000 booking fee
Short-let (SA) context255 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
255 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
£28,896
£6,742
£19,500
£0
£504
£2,150
£2,150
Year 2
£29,763
£6,945
£19,500
£0
£630
£2,688
£4,838
Year 3
£30,656
£7,153
£19,500
£0
£761
£3,242
£8,080
Year 4
£31,575
£7,368
£19,500
£0
£894
£3,814
£11,893
Year 5
£32,523
£7,589
£19,500
£0
£1,032
£4,402
£16,295
Rent by the roomupside
Tap to expand
Rent by the room conversion upside+-8.8 pp▾
Required
Rooms (3+)3 bd
Conversion£26,000
If converted
Gross / mo£2,234
Gross Rent by the room yield6.70%
What we verified
12 total
5007
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
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
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,900
Annual rental tax£293
CGT yr 5£0 · company level
5y net total£16,295
Acquisition costs
£154K
25% deposit£100,000
Stamp duty£30,000
Refurb£14,602
Legal + survey£2,150
Mortgage + broker£7,000
Cash needed£153,752
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
Arranged over two light filled floors, this bay fronted period property offers generous living and entertaining space with ample storage and a patio garden.
Additional Comments
BidX1 and Foxtons are working in Partnership as Joint Agents for the online auction and due to this any enquiries, viewings, bids or offers on the property will require your details to be shared between both Bidx1 & Foxtons.
Viewings are by appointment only unless open house times are displayed, ple…