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
−£25/mo
You top up £25/mo
Price
£150K
No local sold comps to compare
Return · IRR
0.1%/yr
Modest annualised return
Cash to get in
£80K
Deposit + fees + refurb
Return before costson price7.31%5-yr return on cash 3%Rent est. £914 (£855–£977)
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: £855–£977/mo · n=18
Financing
DepositYour cash in — the rest is the mortgage25% · £37,500
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 (£21,813–£40,718 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £112,500 loan + £1,000 booking fee
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.
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 history28d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent by the room wins — +£72/mo · £97/mo ahead of Rent it out (after room-conversion)
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
7.31%
-£25
£79,534
2.9%
Low
Feasible
Housing-benefit rent
5.49%
-£256
£79,534
-13.6%
Med
Feasible
Council lease
0.00%
-£760
£79,534
-58.2%
Low
Feasible
Refurb & refinance
7.31%
-£25
£98,668
2.3%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£174
£200,418
-9%
Med
Feasible
⭐ Rent by the room
14.40%
+£72
£79,534
17.0%
—
Feasible
Ready to move on this deal?
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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
+£393/mo cash flow vs Rent it out if converted to Rent by the room
19.20% Return before costs on price converted vs 7.31% as-is
As-is Rent it out
Monthly profit-£47
Return before costson price7.31%
Cash needed£49,398
If converted to Rent by the room
Monthly profit+£346
Return before costson price19.20%
Cash needed£65,398
Δ vs Rent it outMonthly profit+£393
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£47,883–£90,000full refurb + room split
⚠️ Capped at 60% of £150,000 asking (£90,000). Raw model: £48,990–£92,080. Verify with a surveyor before offering.
What's in this cost
Kitchen£8,445–£16,890
1 × bathroom£5,571–£10,214
Rewire£3,871–£6,773
Replumb£2,903–£5,806
Windows£9,676–£17,417
Paint + decor£6,773–£12,579
Flooring£10,644–£20,320
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & area intelligence
Transport 70 / 100
Loading map…
Transport score70 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Tax treatment
-£321/yr kept
Annual gross rent£10,968
Section 24 credit£0
Annual tax due£23
Post-tax Monthly profitannual-£321
Exit costs
£2,293 after CGT
Projected sale price (5y · 2%/yr growth)£165,612
Capital gain (pre-CGT)£15,612
Sale costs (~2.5%)£4,140
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£2,293
Rates as of Oct 2024
Acquisition costs
£79,534cash needed
Purchase price£150,000
Deposit (25%)£37,500
Stamp duty+5% additional-property surcharge£8,000
Refurb£29,084
Legal + survey£1,700
Mortgage fees£3,250
Total cash neededdeposit + costs (loan covers the rest)£79,534
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
SUMMARY
Spacious three-bedroom property offering flexible accommodation with three reception rooms, kitchen, ground floor WC, shower room and rear garden. Requiring modernisation throughout, this former HMO presents an excellent opportunity to create a family home and add value.
DESCRIPTION
Offered to the market with no onward chain, this generously proportioned mid-terrace property on Rhondda Street provides an exciting opportunity for buyers looking to renovate and add val…
est rent £914/monot enough comparablesRange £855–£977/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
C
Energy rating
Run the numbers
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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: £855–£977/mo · n=18
Financing
DepositYour cash in — the rest is the mortgage25% · £37,500
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 (£21,813–£40,718 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £112,500 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
£10,968
£3,813
£7,031
£0
£23
£101
£101
Year 2
£11,297
£3,928
£7,031
£0
£64
£274
£375
Year 3
£11,636
£4,045
£7,031
£0
£106
£453
£828
Year 4
£11,985
£4,167
£7,031
£0
£150
£637
£1,465
Year 5
£12,345
£4,292
£7,031
£0
£194
£828
£2,293
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
6005
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▾
EPCEnergy efficiency ratingC
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 70/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,406
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£2,293
Acquisition costs
£80K
25% deposit£37,500
Stamp duty£8,000
Refurb£29,084
Legal + survey£1,700
Mortgage + broker£3,250
Cash needed£79,534
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
SUMMARY
Spacious three-bedroom property offering flexible accommodation with three reception rooms, kitchen, ground floor WC, shower room and rear garden. Requiring modernisation throughout, this former HMO presents an excellent opportunity to create a family home and add value.
DESCRIPTION
Offered to the market with no onward chain, this generously proportioned mid-terrace property on Rhondda Street provides an exciting opportunity for buyers looking to renovate and add val…