Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 5
29/ 100
Weak
6.03% return before costs — verify the rent + comps locally.
Why it works
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£184/mo — mildly negative — equity build may cover
- -1.8% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£184/mo
You top up £184/mo
Price
£360K
No local sold comps to compare
Return · IRR
-1.8%/yr
Loses money over 5 years
Cash to get in
£135K
Deposit + fees + refurb
Return before costs on price 6.03%5-yr return on cash -1%Rent est. £1,808 (£1,792–£1,824)
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: £1,792–£1,824/mo · n=21
Financing
DepositYour cash in — the rest is the mortgage25% · £90,000
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 £270,000 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£184
after mortgage, operating costs & tax
Rent in£1,808/mo gross
£1,738/mo collected · £70/mo lost to voids
Where it goes
£1,463Mortgage£460Costs
Outgoings exceed rent — you top up £184/mo
Mortgage£1,463
Costs£460
Management£181
Maintenance£50
Insurance£28
CapEx reserve£90
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£184
Returns
Return before costs on price6.03%
Cash return on cash-1.63%
Gross margin£1,279
Cash needed£135,314
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.19
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 | £21,696 | £5,518 | £17,550 | £0 | £0 | -£1,372 | -£1,372 |
| Year 2 | £22,347 | £5,684 | £17,550 | £0 | £0 | -£887 | -£2,259 |
| Year 3 | £23,017 | £5,854 | £17,550 | £0 | £0 | -£387 | -£2,647 |
| Year 4 | £23,708 | £6,030 | £17,550 | £0 | £24 | £104 | -£2,543 |
| Year 5 | £24,419 | £6,211 | £17,550 | £0 | £125 | £533 | -£2,010 |
Disposal gain (gross)-£11,382
CGT£0
Net Disposal proceeds£387,532
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
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 cohortBR1 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 11.9 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 · 945 sqft · London ×1.4
£32k–£60k
£ per sqft
building cost only
£33–£64
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£9,450–£17,010
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£13,230–£24,570
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 history39d on marketno cuts yet
Strategy matrix
Short-stay let / Airbnb wins — +£586/mo · £770/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 | 6.03% | -£184 | £135,314 | -1.5% | Low | Feasible |
| Housing-benefit rent | 2.49% | -£1,094 | £135,314 | -44.8% | Med | Feasible |
| Council lease | 0.00% | -£1,645 | £135,314 | -73.4% | Low | Feasible |
| Refurb & refinance | 6.03% | -£184 | £157,620 | -1.3% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 13.77% | +£586 | £135,314 | 31.1% | High | Feasible |
| Buy, improve & sell | 0.00% | -£182 | £403,220 | 6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context304 active short-lets nearby
Short-let market context
- 304 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
£551/night ADR
Based on 15 short-let comps nearby
Rent by the room conversion upside
-£252/mo cash flow vs Rent it out if converted to Rent by the room
8.00% Return before costs on price converted vs 6.03% as-is
As-is Rent it out
Monthly profit-£142
Return before costs on price6.03%
Cash needed£101,898
If converted to Rent by the room
Monthly profit-£394
Return before costs on price8.00%
Cash needed£117,898
Δ vs Rent it out Monthly profit-£252
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
£61,600
Range: £53,200 – £72,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£59,220–£110,625full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£4,725–£8,505
- Replumb£3,780–£7,560
- Windows£10,395–£18,900
- Paint + decor£9,450–£17,010
- Flooring£13,230–£24,570
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£21,696
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,207
Exit costs
Projected sale price (5y · 2%/yr growth)£397,469
Capital gain (pre-CGT)£37,469
Sale costs (~2.5%)£9,937
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-£2,010
Rates as of Oct 2024
Acquisition costs
£135,314cash neededPurchase price£360,000
Deposit (25%)£90,000
Stamp duty+5% additional-property surcharge£26,000
Refurb£10,764
Legal + survey£2,150
Mortgage fees£6,400
Total cash neededdeposit + costs (loan covers the rest)£135,314
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Daniels are pleased to present this two-bedroom end-of-terrace house offering comfortable and practical living accommodation, complemented by a large rear garden and a modern fitted kitchen.
The ground floor offers a welcoming reception room providing a comfortable and versatile space for relaxing, dining and entertaining. The separate modern kitchen is well presented and provides a practical space for everyday cooking, with access towards the large rear garden.
Upstairs, t…
Floor plans
Nearby active comparables4 rentals
Comparable rentals
BR1 · same beds + typeMedian nearby: £1,875/mo · 3 of 4 already let+£67 vs our est
- Mooreland Road Bromley BR1Let2b£1,900/moMay 2026
- Galahad Road, Bromley, BR12b£1,900/moMay 2026
- Mooreland Road, Bromley, BR1Let2b£1,850/moMay 2026
- North Road, Bromley, BR1Let2b£1,650/moMay 2026
Other deals nearby
BR1 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metaonthemarket · Daniels - Bromley
About this listing
39 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£184
Cash needed
£135K
Return after costs
-1.63%
IRR
-1.83%
Listed 39d ago
Southover, Bromley, BR1, Bromley, BR1
terraced · 2 bed · 1 bath
£360,000
est £1,808 · 6.03% gross
EPC C
1 / 5
29/100
Marginal
6.03% — verify the rent + comps locally.
6.03% Return before costs — around the area average for this property type.
Monthly profit −£184/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating C — Min. energy standard 2030 compliant.
Price
£360K
Return before costs
6.03%
est rent £1,808/monot enough comparablesRange £1,792–£1,824/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
C
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: £1,792–£1,824/mo · n=21
Financing
DepositYour cash in — the rest is the mortgage25% · £90,000
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 £270,000 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£184
after mortgage, operating costs & tax
Rent in£1,808/mo gross
£1,738/mo collected · £70/mo lost to voids
Where it goes
£1,463Mortgage£460Costs
Outgoings exceed rent — you top up £184/mo
Mortgage£1,463
Costs£460
Management£181
Maintenance£50
Insurance£28
CapEx reserve£90
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£184
Returns
Return before costs on price6.03%
Cash return on cash-1.63%
Gross margin£1,279
Cash needed£135,314
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.19
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context304 active short-lets nearby
Short-let market context
- 304 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 | £21,696 | £5,518 | £17,550 | £0 | £0 | -£1,372 | -£1,372 |
| Year 2 | £22,347 | £5,684 | £17,550 | £0 | £0 | -£887 | -£2,259 |
| Year 3 | £23,017 | £5,854 | £17,550 | £0 | £0 | -£387 | -£2,647 |
| Year 4 | £23,708 | £6,030 | £17,550 | £0 | £24 | £104 | -£2,543 |
| Year 5 | £24,419 | £6,211 | £17,550 | £0 | £125 | £533 | -£2,010 |
Rent by the room upside
What we verified
4206
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▾
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£3,510
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£2,010
Acquisition costs
25% deposit£90,000
Stamp duty£26,000
Refurb£10,764
Legal + survey£2,150
Mortgage + broker£6,400
Cash needed£135,314
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
Daniels are pleased to present this two-bedroom end-of-terrace house offering comfortable and practical living accommodation, complemented by a large rear garden and a modern fitted kitchen.
The ground floor offers a welcoming reception room providing a comfortable and versatile space for relaxing, dining and entertaining. The separate modern kitchen is well presented and provides a practical space for everyday cooking, with access towards the large rear garden.
Upstairs, t…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice