Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 5
0/ 100
Weak
4.37% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£1,114/mo — heavily negative — needs monthly capital injection
- -7.0% 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
−£1K/mo
You top up £1K/mo
Price
£625K
No local sold comps to compare
Return · IRR
-7.0%/yr
Loses money over 5 years
Cash to get in
£233K
Deposit + fees + refurb
Return before costs on price 4.37%5-yr return on cash -24%Rent est. £2,277 (£1,977–£2,623)
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
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: £1,977–£2,623/mo · n=108
Financing
DepositYour cash in — the rest is the mortgage25% · £156,250
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 — £2,500 legal + £850 survey
Mortgage fees (£)
2% product fee on £468,750 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£1,114
after mortgage, operating costs & tax
Rent in£2,277/mo gross
£2,189/mo collected · £88/mo lost to voids
Where it goes
£2,441Mortgage£862Costs
Outgoings exceed rent — you top up £1,114/mo
Mortgage£2,441
Costs£862
Management£228
Maintenance£67
Insurance£40
CapEx reserve£114
Voids + council tax£9
Service charge + ground rent£300
Ltd co. accounts£104
Tax—
Shortfall−£1,114
Returns
Return before costs on price4.37%
Cash return on cash-5.73%
Gross margin£1,328
Cash needed£233,239
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.86
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 | £27,324 | £10,340 | £29,297 | £0 | £0 | -£12,312 | -£12,312 |
| Year 2 | £28,144 | £10,650 | £29,297 | £0 | £0 | -£11,803 | -£24,115 |
| Year 3 | £28,988 | £10,969 | £29,297 | £0 | £0 | -£11,278 | -£35,394 |
| Year 4 | £29,858 | £11,298 | £29,297 | £0 | £0 | -£10,738 | -£46,131 |
| Year 5 | £30,753 | £11,637 | £29,297 | £0 | £0 | -£10,181 | -£56,312 |
Disposal gain (gross)-£18,815
CGT£0
Net Disposal proceeds£672,799
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Leaseholdmaterial factsListing extract
Ground rent
Doubling = lender risk
£500/yr
Service charge
Annual running cost
£3,091/yr
High ground rent — £500/year
Above the £250 assured-tenancy threshold. Risk of forfeiture proceedings on missed payments. Some lenders cap acceptable ground rent at this level.
Extracted from listing description · verify with solicitor
Tenure & planningLeasehold
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
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
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
SchoolsNo postcode
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 12 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 · 2-bath · 810 sqft
£25k–£49k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- 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 history43d on marketno cuts yet
Strategy matrix
Rent it out wins — -£1,114/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 | 4.37% | -£1,114 | £233,239 | -24.1% | Low | Feasible |
| Housing-benefit rent | 3.11% | -£1,750 | £233,239 | -40.5% | Med | Feasible |
| Council lease | 0.00% | -£2,953 | £233,239 | -76.8% | Low | Feasible |
| Refurb & refinance | 4.37% | -£1,114 | £268,795 | -20.9% | Med | Feasible |
| Short-stay let / Airbnb | 2.82% | -£2,071 | £233,239 | -52.7% | High | Feasible |
| Buy, improve & sell | 0.00% | -£511 | £695,920 | 7% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 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 let25% occupancy
£196/night ADR
Based on 4 short-let comps nearby
Rent by the room conversion upside
-£632/mo cash flow vs Rent it out if converted to Rent by the room
4.61% Return before costs on price converted vs 4.37% as-is
As-is Rent it out
Monthly profit-£796
Return before costs on price4.37%
Cash needed£168,148
If converted to Rent by the room
Monthly profit-£1,429
Return before costs on price4.61%
Cash needed£184,148
Δ vs Rent it out Monthly profit-£632
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
£40,000
Range: £34,000 – £48,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,390–£90,830full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- 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£27,324
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£13,363
Exit costs
Projected sale price (5y · 2%/yr growth)£690,051
Capital gain (pre-CGT)£65,051
Sale costs (~2.5%)£17,251
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-£56,312
Rates as of Oct 2024
Acquisition costs
£233,239cash neededPurchase price£625,000
Deposit (25%)£156,250
Stamp duty+5% additional-property surcharge£52,500
Refurb£10,764
Legal + survey£3,350
Mortgage fees£10,375
Total cash neededdeposit + costs (loan covers the rest)£233,239
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Set in central Twickenham overlooking the river Crane, Collett Villas is a modern development with a collection of high-end apartments close to the plaza with shops, cafés and the station within a few minutes’ walk.
Designed to maximise the space and light, this contemporary first-floor apartment provides bright and spacious accommodation, with an open plan living/dining room incorporating a high quality kitchen with stone worktops and some integrated Grundig appliances, a d…
Floor plans
Listing metaonthemarket · Chase Buchanan - Twickenham Sales
About this listing
43 days · OnTheMarketPrice history
No price history available.
Monthly profit
−£1,114
Cash needed
£233K
Return after costs
-5.73%
IRR
-6.96%
Listed 43d ago
Bradshaw Close, Twickenham, Twickenham
flat · 2 bed · 2 bath
£625,000
est £2,277 · 4.37% gross
Chain free
1 / 5
0/100
Marginal
4.37% — verify the rent + comps locally.
Chain free
Price
£625K
Return before costs
4.37%
est rent £2,277/mo108 comps within 500 mRange £1,977–£2,623/mo (Q1–Q3)
Bedrooms
2
2 bath
Energy rating
—
Energy rating
Run the numbers
What-if calculator
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: £1,977–£2,623/mo · n=108
Financing
DepositYour cash in — the rest is the mortgage25% · £156,250
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 — £2,500 legal + £850 survey
Mortgage fees (£)
2% product fee on £468,750 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£1,114
after mortgage, operating costs & tax
Rent in£2,277/mo gross
£2,189/mo collected · £88/mo lost to voids
Where it goes
£2,441Mortgage£862Costs
Outgoings exceed rent — you top up £1,114/mo
Mortgage£2,441
Costs£862
Management£228
Maintenance£67
Insurance£40
CapEx reserve£114
Voids + council tax£9
Service charge + ground rent£300
Ltd co. accounts£104
Tax—
Shortfall−£1,114
Returns
Return before costs on price4.37%
Cash return on cash-5.73%
Gross margin£1,328
Cash needed£233,239
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.86
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 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 | £27,324 | £10,340 | £29,297 | £0 | £0 | -£12,312 | -£12,312 |
| Year 2 | £28,144 | £10,650 | £29,297 | £0 | £0 | -£11,803 | -£24,115 |
| Year 3 | £28,988 | £10,969 | £29,297 | £0 | £0 | -£11,278 | -£35,394 |
| Year 4 | £29,858 | £11,298 | £29,297 | £0 | £0 | -£10,738 | -£46,131 |
| Year 5 | £30,753 | £11,637 | £29,297 | £0 | £0 | -£10,181 | -£56,312 |
Rent by the room upside
What we verified
3406
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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
Service chargeReduces net yield£3,091/yr
Ground rentDoubling clauses kill mortgageability£500/yr
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedNo postcode
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£5,859
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£56,312
Acquisition costs
25% deposit£156,250
Stamp duty£52,500
Refurb£10,764
Legal + survey£3,350
Mortgage + broker£10,375
Cash needed£233,239
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
Set in central Twickenham overlooking the river Crane, Collett Villas is a modern development with a collection of high-end apartments close to the plaza with shops, cafés and the station within a few minutes’ walk.
Designed to maximise the space and light, this contemporary first-floor apartment provides bright and spacious accommodation, with an open plan living/dining room incorporating a high quality kitchen with stone worktops and some integrated Grundig appliances, a d…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice