Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Long lease (999 yrs) — no short-lease drag
Why to be cautious
EPC D — must hit C by 2030 (~£3,000–£7,000)
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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£29/mo
Barely breaks even each month
Price
£117K
No local sold comps to compare
Return · IRR
0.9%/yr
Modest annualised return
Cash to get in
£46K
Deposit + fees + refurb
Return before costson price10.92%5-yr return on cash 12%Rent est. £1,065 (£998–£1,136)
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: £998–£1,136/mo · n=48
Financing
DepositYour cash in — the rest is the mortgage25% · £29,250
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £87,750 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.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
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 history29d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£29/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
10.92%
+£29
£46,272
11.6%
Low
Feasible
Housing-benefit rent
8.19%
-£231
£46,272
-19.7%
Med
Feasible
Council lease
0.00%
-£823
£46,272
-109.7%
Low
Feasible
Refurb & refinance
10.92%
+£29
£54,689
9.8%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£366
£133,834
4%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
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 impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£285/mo cash flow vs Rent it out if converted to Rent by the room
24.62% Return before costs on price converted vs 10.92% as-is
As-is Rent it out
Monthly profit+£166
Return before costson price10.92%
Cash needed£41,148
If converted to Rent by the room
Monthly profit+£450
Return before costson price24.62%
Cash needed£57,148
Δ vs Rent it outMonthly profit+£285
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
Transport score100 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Tax treatment
£259/yr kept
Annual gross rent£12,780
Section 24 credit£0
Annual tax due£176
Post-tax Monthly profitannual£259
Exit costs
£5,355 after CGT
Projected sale price (5y · 2%/yr growth)£129,177
Capital gain (pre-CGT)£12,177
Sale costs (~2.5%)£3,229
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 profitafter CGT£5,355
Rates as of Oct 2024
Acquisition costs
£46,272cash needed
Purchase price£117,000
Deposit (25%)£29,250
Stamp duty+5% additional-property surcharge£5,850
Refurb£6,417
Legal + survey£2,000
Mortgage fees£2,755
Total cash neededdeposit + costs (loan covers the rest)£46,272
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
A flat in need of improvement situated on the whole of the ground floor of this converted detached house, conveniently located for the local shops and busy town centre in Tunbridge Wells.
Ground Floor
Entrance to kitchen at rear, inner hallway, shower room with W.C., living room at front and bedroom.
Tenure
To be sold on a new 999-year lease at a peppercorn ground rent.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.92% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Chain free
Price
£117K
Return before costs
10.92%
est rent £1,065/monot enough comparablesRange £998–£1,136/mo (Q1–Q3)
Bedrooms
1
0 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £998–£1,136/mo · n=48
Financing
DepositYour cash in — the rest is the mortgage25% · £29,250
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £87,750 loan + £1,000 booking fee
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
£12,780
£6,370
£5,484
£0
£176
£750
£750
Year 2
£13,163
£6,561
£5,484
£0
£213
£905
£1,656
Year 3
£13,558
£6,757
£5,484
£0
£250
£1,067
£2,722
Year 4
£13,965
£6,960
£5,484
£0
£289
£1,232
£3,954
Year 5
£14,384
£7,169
£5,484
£0
£329
£1,402
£5,355
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
2405
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining999 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPC~£3,000–£7,000 to upgrade to CD
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
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,097
Annual rental tax£83
CGT yr 5£0 · company level
5y net total£5,355
Acquisition costs
£46K
25% deposit£29,250
Stamp duty£5,850
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£2,755
Cash needed£46,272
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
A flat in need of improvement situated on the whole of the ground floor of this converted detached house, conveniently located for the local shops and busy town centre in Tunbridge Wells.
Ground Floor
Entrance to kitchen at rear, inner hallway, shower room with W.C., living room at front and bedroom.
Tenure
To be sold on a new 999-year lease at a peppercorn ground rent.