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Year 5 disposal
⊞ View all 5
5/ 100
Weak
5.51% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£213/mo — significantly negative — real recurring drain
- -3.2% 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
−£213/mo
You top up £213/mo
Price
£180K
No local sold comps to compare
Return · IRR
-3.2%/yr
Loses money over 5 years
Cash to get in
£76K
Deposit + fees + refurb
Return before costs on price 5.51%5-yr return on cash -12%Rent est. £826 (£746–£915)
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: £746–£915/mo · n=50
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 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 sub-£200K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£213
after mortgage, operating costs & tax
Rent in£826/mo gross
£794/mo collected · £32/mo lost to voids
Where it goes
£703Mortgage£304Costs
Outgoings exceed rent — you top up £213/mo
Mortgage£703
Costs£304
Management£83
Maintenance£50
Insurance£20
CapEx reserve£41
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£213
Returns
Return before costs on price5.51%
Cash return on cash-3.37%
Gross margin£490
Cash needed£75,611
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
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 | £9,912 | £3,645 | £8,438 | £0 | £0 | -£2,170 | -£2,170 |
| Year 2 | £10,209 | £3,754 | £8,438 | £0 | £0 | -£1,982 | -£4,153 |
| Year 3 | £10,516 | £3,867 | £8,438 | £0 | £0 | -£1,789 | -£5,941 |
| Year 4 | £10,831 | £3,983 | £8,438 | £0 | £0 | -£1,589 | -£7,530 |
| Year 5 | £11,156 | £4,102 | £8,438 | £0 | £0 | -£1,384 | -£8,914 |
Disposal gain (gross)-£13,145
CGT£0
Net Disposal proceeds£193,766
What we verified
What we verified
50065 ok · 0 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
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
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 profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of York · 49 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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
3-bed · 1-bath · 990 sqft
£25k–£49k
£ per sqft
building cost only
£25–£49
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
Price & sale history35d on marketno cuts yet
Strategy matrix
Rent by the room wins — -£26/mo · £187/mo ahead of Rent it out (after room-conversion)
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 5.51% | -£213 | £75,611 | -11.8% | Low | Feasible |
| Housing-benefit rent | 4.13% | -£422 | £75,611 | -28.1% | Med | Feasible |
| Council lease | 0.00% | -£877 | £75,611 | -70.5% | Low | Feasible |
| Refurb & refinance | 5.51% | -£213 | £90,655 | -9.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £212,955 | 2% | Med | Feasible |
| ⭐ Rent by the room | 12.00% | -£26 | £75,611 | 10.5% | — | Feasible |
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
Rent by the room conversion upside
+£486/mo cash flow vs Rent it out if converted to Rent by the room
16.00% Return before costs on price converted vs 5.51% as-is
As-is Rent it out
Monthly profit-£236
Return before costs on price5.51%
Cash needed£56,898
If converted to Rent by the room
Monthly profit+£251
Return before costs on price16.00%
Cash needed£72,898
Δ vs Rent it out Monthly profit+£486
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,990–£92,080full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
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£9,912
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,552
Exit costs
Projected sale price (5y · 2%/yr growth)£198,735
Capital gain (pre-CGT)£18,735
Sale costs (~2.5%)£4,968
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-£8,914
Rates as of Oct 2024
Acquisition costs
£75,611cash neededPurchase price£180,000
Deposit (25%)£45,000
Stamp duty+5% additional-property surcharge£10,100
Refurb£15,111
Legal + survey£1,700
Mortgage fees£3,700
Total cash neededdeposit + costs (loan covers the rest)£75,611
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
A superb three-bedroom mid-terraced property, ideally situated on the popular Meadowbank Road to the west side of Hull. Conveniently positioned for a range of local amenities, excellent transport links and easy access to Hull city centre, this well-presented home offers spacious and versatile accommodation throughout.
The property briefly comprises an entrance hall, a comfortable lounge, a generous dining area with an open-plan aspect to the kitchen, and a convenient ground-…
Floor plans
Listing metaonthemarket · Philip Bannister & Co - Hessle
About this listing
35 days · OnTheMarketPrice history
No price history available.
Monthly profit
−£213
Cash needed
£76K
Return after costs
-3.37%
IRR
-3.15%
Listed 35d ago
Meadowbank Road, Hull, Hull
terraced · 3 bed · 1 bath
£180,000
est £826 · 5.51% gross
1 / 5
5/100
Marginal
5.51% — verify the rent + comps locally.
5.51% Return before costs — around the area average for this property type.
Monthly profit −£213/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£180K
Return before costs
5.51%
est rent £826/monot enough comparablesRange £746–£915/mo (Q1–Q3)
Bedrooms
3
1 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: £746–£915/mo · n=50
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 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 sub-£200K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£213
after mortgage, operating costs & tax
Rent in£826/mo gross
£794/mo collected · £32/mo lost to voids
Where it goes
£703Mortgage£304Costs
Outgoings exceed rent — you top up £213/mo
Mortgage£703
Costs£304
Management£83
Maintenance£50
Insurance£20
CapEx reserve£41
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£213
Returns
Return before costs on price5.51%
Cash return on cash-3.37%
Gross margin£490
Cash needed£75,611
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
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 | £9,912 | £3,645 | £8,438 | £0 | £0 | -£2,170 | -£2,170 |
| Year 2 | £10,209 | £3,754 | £8,438 | £0 | £0 | -£1,982 | -£4,153 |
| Year 3 | £10,516 | £3,867 | £8,438 | £0 | £0 | -£1,789 | -£5,941 |
| Year 4 | £10,831 | £3,983 | £8,438 | £0 | £0 | -£1,589 | -£7,530 |
| Year 5 | £11,156 | £4,102 | £8,438 | £0 | £0 | -£1,384 | -£8,914 |
Rent by the room upside
What we verified
5006
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
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
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedNo postcode
FloodEA Flood Map · England onlyChecking…
Investor profile▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,688
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£8,914
Acquisition costs
25% deposit£45,000
Stamp duty£10,100
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£3,700
Cash needed£75,611
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
A superb three-bedroom mid-terraced property, ideally situated on the popular Meadowbank Road to the west side of Hull. Conveniently positioned for a range of local amenities, excellent transport links and easy access to Hull city centre, this well-presented home offers spacious and versatile accommodation throughout.
The property briefly comprises an entrance hall, a comfortable lounge, a generous dining area with an open-plan aspect to the kitchen, and a convenient ground-…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice