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Year 5 disposal
⊞ View all 5
30/ 100
Weak
6.95% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Monthly profit −£189/mo — mildly negative — equity build may cover
- -2.1% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£189/mo
You top up £189/mo
Price
£300K
No local sold comps to compare
Return · IRR
-2.1%/yr
Loses money over 5 years
Cash to get in
£114K
Deposit + fees + refurb
Return before costs on price 6.95%5-yr return on cash -3%Rent est. £1,737 (£1,519–£1,986)
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
Rates as of 20 May 2026Buy-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: £1,519–£1,986/mo · n=108
Financing
DepositYour cash in — the rest is the mortgage25% · £75,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £225,000 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£189
after mortgage, operating costs & tax
Rent in£1,737/mo gross
£1,670/mo collected · £67/mo lost to voids
Where it goes
£1,219Mortgage£640Costs
Outgoings exceed rent — you top up £189/mo
Mortgage£1,219
Costs£640
Management£174
Maintenance£67
Insurance£28
CapEx reserve£87
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£189
Returns
Return before costs on price6.95%
Cash return on cash-1.99%
Gross margin£1,030
Cash needed£113,789
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.37
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 | £20,844 | £7,685 | £14,625 | £0 | £0 | -£1,466 | -£1,466 |
| Year 2 | £21,469 | £7,915 | £14,625 | £0 | £0 | -£1,071 | -£2,536 |
| Year 3 | £22,113 | £8,153 | £14,625 | £0 | £0 | -£664 | -£3,201 |
| Year 4 | £22,777 | £8,397 | £14,625 | £0 | £0 | -£245 | -£3,446 |
| Year 5 | £23,460 | £8,649 | £14,625 | £0 | £35 | £151 | -£3,295 |
Disposal gain (gross)-£10,345
CGT£0
Net Disposal proceeds£322,944
What we verified
What we verified
42054 ok · 2 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Building condition
Energy ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →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
SchoolsChecking…
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortBN3 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Brighton · 5.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
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
2-bed · 1-bath · 810 sqft
£22k–£43k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
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 history28d on marketno cuts yet
Strategy matrix
Rent it out wins — -£189/mo · level with Refurb & refinance
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| ⭐ Rent it out | 6.95% | -£189 | £113,789 | -2.9% | Low | Feasible |
| Housing-benefit rent | 5.21% | -£623 | £113,789 | -25.3% | Med | Feasible |
| Council lease | 0.00% | -£1,593 | £113,789 | -85.2% | Low | Feasible |
| Refurb & refinance | 6.95% | -£189 | £133,095 | -2.5% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£374 | £337,595 | 6% | 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 impact
Local lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
-£187/mo cash flow vs Rent it out if converted to Rent by the room
9.60% Return before costs on price converted vs 6.95% as-is
As-is Rent it out
Monthly profit+£28
Return before costs on price6.95%
Cash needed£86,898
If converted to Rent by the room
Monthly profit-£159
Return before costs on price9.60%
Cash needed£102,898
Δ vs Rent it out Monthly profit-£187
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 67% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 50m (below threshold)
- local council HMO approval rate 67% (343 decisions)
≈0.0% within 50 m vs 10% policy
£58,230–£103,995full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£4,725–£7,560
- Replumb£3,780–£6,615
- Windows£10,395–£17,955
- Paint + decor£9,450–£16,065
- Flooring£13,230–£23,625
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
Brighton and Hove HMO Article 4
≈0.0% within 50 m vs 10% policy
Tax treatment
Annual gross rent£20,844
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,267
Exit costs
Projected sale price (5y · 2%/yr growth)£331,224
Capital gain (pre-CGT)£31,224
Sale costs (~2.5%)£8,281
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-£3,295
Rates as of Oct 2024
Acquisition costs
£113,789cash neededPurchase price£300,000
Deposit (25%)£75,000
Stamp duty+5% additional-property surcharge£20,000
Refurb£10,764
Legal + survey£2,525
Mortgage fees£5,500
Total cash neededdeposit + costs (loan covers the rest)£113,789
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
*GUIDE PRICE £300,000 - £325,000*
Perfectly positioned in the heart of Hove, close to the wide range of amenities on Church Road and Western Road, and a short walk to the seafront, a bright and spacious TWO DOUBLE BEDROOM, SECOND & THIRD FLOOR MAISONETTE. Sold with SHARE OF FREEHOLD.
Located in a highly sought-after central position, this well-presented apartment offers light-filled and versatile accommodation arranged over two floors. The open-plan kitchen/diner/living roo…
Floor plans
Listing metaonthemarket · Sawyer & Co - Hove
About this listing
28 days · OnTheMarketPrice history
5-year price trend
Monthly profit
−£189
Cash needed
£114K
Return after costs
-1.99%
IRR
-2.06%
Listed 28d ago
54 Lansdowne Street, Hove, BN3, Hove, BN3
flat · 2 bed · 1 bath
£300,000
est £1,737 · 6.95% gross
EPC D
1 / 5
30/100
Marginal
6.95% — verify the rent + comps locally.
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£300K
Return before costs
6.95%
est rent £1,737/monot enough comparablesRange £1,519–£1,986/mo (Q1–Q3)
Bedrooms
2
1 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
What-if calculator
Rates as of 20 May 2026Buy-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: £1,519–£1,986/mo · n=108
Financing
DepositYour cash in — the rest is the mortgage25% · £75,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £225,000 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£189
after mortgage, operating costs & tax
Rent in£1,737/mo gross
£1,670/mo collected · £67/mo lost to voids
Where it goes
£1,219Mortgage£640Costs
Outgoings exceed rent — you top up £189/mo
Mortgage£1,219
Costs£640
Management£174
Maintenance£67
Insurance£28
CapEx reserve£87
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£189
Returns
Return before costs on price6.95%
Cash return on cash-1.99%
Gross margin£1,030
Cash needed£113,789
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.37
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 | £20,844 | £7,685 | £14,625 | £0 | £0 | -£1,466 | -£1,466 |
| Year 2 | £21,469 | £7,915 | £14,625 | £0 | £0 | -£1,071 | -£2,536 |
| Year 3 | £22,113 | £8,153 | £14,625 | £0 | £0 | -£664 | -£3,201 |
| Year 4 | £22,777 | £8,397 | £14,625 | £0 | £0 | -£245 | -£3,446 |
| Year 5 | £23,460 | £8,649 | £14,625 | £0 | £35 | £151 | -£3,295 |
Rent by the room upside
What we verified
3306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
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
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,925
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£3,295
Acquisition costs
25% deposit£75,000
Stamp duty£20,000
Refurb£10,764
Legal + survey£2,525
Mortgage + broker£5,500
Cash needed£113,789
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
*GUIDE PRICE £300,000 - £325,000*
Perfectly positioned in the heart of Hove, close to the wide range of amenities on Church Road and Western Road, and a short walk to the seafront, a bright and spacious TWO DOUBLE BEDROOM, SECOND & THIRD FLOOR MAISONETTE. Sold with SHARE OF FREEHOLD.
Located in a highly sought-after central position, this well-presented apartment offers light-filled and versatile accommodation arranged over two floors. The open-plan kitchen/diner/living roo…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice