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
−£7/mo
You top up £7/mo
Price
£225K
No local sold comps to compare
Return · IRR
0.1%/yr
Modest annualised return
Cash to get in
£87K
Deposit + fees + refurb
Return before costson price8.23%5-yr return on cash 6%Rent est. £1,544 (£1,423–£1,675)
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: £1,423–£1,675/mo · n=92
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 (£)
Leasehold flat — £1,500 legal + £500 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
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)£86,639
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
A fantastic opportunity to acquire this well-positioned two-bedroom first floor maisonette, situated on the popular Queens Road. Offered to the market chain free, the property benefits from a long lease and Share of Freehold, providing excellent long-term ownership benefits.
The property also has the added advantage of annual costs £650 per annum, making it an attractive option for both homeowners and investors. Externally, the property benefits from its own garden, ideal fo…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.23% Return before costs — above-market
Chain free
Price
£225K
Return before costs
8.23%
est rent £1,544/mo92 comps within 500 mRange £1,423–£1,675/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: £1,423–£1,675/mo · n=92
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 (£)
Leasehold flat — £1,500 legal + £500 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
Short-let (SA) context243 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
243 active short-let listings in this postcode
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
£18,528
£7,347
£10,547
£0
£120
£514
£514
Year 2
£19,084
£7,568
£10,547
£0
£184
£785
£1,299
Year 3
£19,656
£7,795
£10,547
£0
£250
£1,065
£2,364
Year 4
£20,246
£8,028
£10,547
£0
£317
£1,354
£3,718
Year 5
£20,853
£8,269
£10,547
£0
£387
£1,650
£5,368
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
Loading map…
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£5,368
Acquisition costs
£87K
25% deposit£56,250
Stamp duty£13,250
Refurb£10,764
Legal + survey£2,000
Mortgage + broker£4,375
Cash needed£86,639
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
A fantastic opportunity to acquire this well-positioned two-bedroom first floor maisonette, situated on the popular Queens Road. Offered to the market chain free, the property benefits from a long lease and Share of Freehold, providing excellent long-term ownership benefits.
The property also has the added advantage of annual costs £650 per annum, making it an attractive option for both homeowners and investors. Externally, the property benefits from its own garden, ideal fo…