Real 7.53% return before costs but flagged risks need pricing in.
Why it works
Monthly profit +£346/mo from completion — the no.1 reason to invest
7.53% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Auction lot — bridging-only finance, 28-day completion
Service charge unknown — could swing £100-300/mo
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
+£346/mo
Pays you every month, net of costs
Price
£675K
No local sold comps to compare
Return · IRR
0.9%/yr
Modest annualised return
Cash to get in
£253K
Deposit + fees + refurb
Return before costson price7.53%5-yr return on cash 15%Rent est. £4,394 (£3,817–£5,058)
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: £3,817–£5,058/mo · n=100
Financing
DepositYour cash in — the rest is the mortgage25% · £168,750
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 (£9,527–£17,783 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £2,500 legal + £850 survey
Mortgage fees (£)
2% product fee on £506,250 loan + £1,000 booking fee
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)£253,427
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
This stunning two bedroom, second floor flat is beautifully presented throughout with a modern open-plan reception room and kitchen, good sized bedrooms, private balcony and concierge services.
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.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.53% Return before costs — above-market
Price
£675K
Return before costs
7.53%
est rent £4,394/monot enough comparablesRange £3,817–£5,058/mo (Q1–Q3)
Bedrooms
2
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: £3,817–£5,058/mo · n=100
Financing
DepositYour cash in — the rest is the mortgage25% · £168,750
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 (£9,527–£17,783 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £2,500 legal + £850 survey
Mortgage fees (£)
2% product fee on £506,250 loan + £1,000 booking fee
Short-let (SA) context274 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
274 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
£52,728
£12,670
£32,906
£0
£1,359
£5,793
£5,793
Year 2
£54,310
£13,050
£32,906
£0
£1,587
£6,767
£12,560
Year 3
£55,939
£13,441
£32,906
£0
£1,822
£7,770
£20,329
Year 4
£57,617
£13,845
£32,906
£0
£2,065
£8,802
£29,131
Year 5
£59,346
£14,260
£32,906
£0
£2,314
£9,866
£38,997
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
2307
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
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£6,581
Annual rental tax£974
CGT yr 5£0 · company level
5y net total£38,997
Acquisition costs
£253K
25% deposit£168,750
Stamp duty£57,500
Refurb£12,702
Legal + survey£3,350
Mortgage + broker£11,125
Cash needed£253,427
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
This stunning two bedroom, second floor flat is beautifully presented throughout with a modern open-plan reception room and kitchen, good sized bedrooms, private balcony and concierge services.
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.