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
−£6/mo
You top up £6/mo
Price
£225K
No local sold comps to compare
Return · IRR
0.1%/yr
Modest annualised return
Cash to get in
£86K
Deposit + fees + refurb
Return before costson price6.97%5-yr return on cash 6%Rent est. £1,306 (£1,289–£1,323)
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
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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: £1,289–£1,323/mo · n=20
Financing
DepositYour cash in — the rest is the mortgage25% · £56,250
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £168,750 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)£86,339
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
A Charming Two-Bedroom Character Home in High Town
Chain Free | Large Garden | Character Features
A charming two-bedroom character property situated in the popular High Town area of Luton, LU2. This attractive home combines period character with comfortable modern living and offers an excellent opportunity for first-time buyers, downsizers or investors alike.
The property benefits from two well-proportioned bedrooms, a welcoming reception space and a good-sized kitchen, wh…
est rent £1,306/monot enough comparablesRange £1,289–£1,323/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
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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: £1,289–£1,323/mo · n=20
Financing
DepositYour cash in — the rest is the mortgage25% · £56,250
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £168,750 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
£15,672
£4,595
£10,547
£0
£101
£429
£429
Year 2
£16,142
£4,733
£10,547
£0
£164
£698
£1,127
Year 3
£16,626
£4,875
£10,547
£0
£229
£975
£2,102
Year 4
£17,125
£5,021
£10,547
£0
£296
£1,261
£3,363
Year 5
£17,639
£5,172
£10,547
£0
£365
£1,555
£4,918
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
3206
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 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
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PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,109
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£4,918
Acquisition costs
£86K
25% deposit£56,250
Stamp duty£13,250
Refurb£10,764
Legal + survey£1,700
Mortgage + broker£4,375
Cash needed£86,339
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
A Charming Two-Bedroom Character Home in High Town
Chain Free | Large Garden | Character Features
A charming two-bedroom character property situated in the popular High Town area of Luton, LU2. This attractive home combines period character with comfortable modern living and offers an excellent opportunity for first-time buyers, downsizers or investors alike.
The property benefits from two well-proportioned bedrooms, a welcoming reception space and a good-sized kitchen, wh…