5.34% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
Monthly profit −£266/mo — significantly negative — real recurring drain
-3.5% 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
−£266/mo
You top up £266/mo
Price
£210K
No local sold comps to compare
Return · IRR
-3.5%/yr
Loses money over 5 years
Cash to get in
£86K
Deposit + fees + refurb
Return before costson price5.34%5-yr return on cash -14%Rent est. £935 (£827–£1,057)
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 live
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: £827–£1,057/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £52,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
3.0%9.0%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £157,500 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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)£85,661
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
SUMMARY
Ready to move into, this well-presented three-bedroom semi-detached home offers spacious accommodation, a private garden, and off-road parking. Situated on the popular Peasehill Close, it's ideally located close to local amenities, schools, and transport links.
DESCRIPTION
Ready to move straight into! Occupying a pleasant position on the ever-popular Peasehill Close, Barnsley, this well-presented three-bedroom semi-detached home offers spacious and modern accommodati…
5.34% Return before costs — around the area average for this property type.
Monthly profit −£266/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£210K
Return before costs
5.34%
est rent £935/monot enough comparablesRange £827–£1,057/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
—
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
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: £827–£1,057/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £52,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
3.0%9.0%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £157,500 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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
£11,220
£4,132
£9,844
£0
£0
-£2,755
-£2,755
Year 2
£11,557
£4,255
£9,844
£0
£0
-£2,543
-£5,298
Year 3
£11,903
£4,383
£9,844
£0
£0
-£2,324
-£7,621
Year 4
£12,260
£4,515
£9,844
£0
£0
-£2,098
-£9,719
Year 5
£12,628
£4,650
£9,844
£0
£0
-£1,866
-£11,585
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
5006
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 · OfstedNo postcode
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£1,969
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£11,585
Acquisition costs
£86K
25% deposit£52,500
Stamp duty£12,200
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£4,150
Cash needed£85,661
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
SUMMARY
Ready to move into, this well-presented three-bedroom semi-detached home offers spacious accommodation, a private garden, and off-road parking. Situated on the popular Peasehill Close, it's ideally located close to local amenities, schools, and transport links.
DESCRIPTION
Ready to move straight into! Occupying a pleasant position on the ever-popular Peasehill Close, Barnsley, this well-presented three-bedroom semi-detached home offers spacious and modern accommodati…