4.92% 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 −£381/mo — significantly negative — real recurring drain
-4.5% 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
−£381/mo
You top up £381/mo
Price
£240K
No local sold comps to compare
Return · IRR
-4.5%/yr
Loses money over 5 years
Cash to get in
£97K
Deposit + fees + refurb
Return before costson price4.92%5-yr return on cash -19%Rent est. £985 (£896–£1,083)
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 liveRates as of 20 May 2026
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: £896–£1,083/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · £60,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£12,593–£23,506 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £180,000 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 constraintsCADW 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.
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — -£381/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
4.92%
-£381
£97,190
-18.8%
Low
Feasible
Housing-benefit rent
2.99%
-£737
£97,190
-41.6%
Med
Feasible
Council lease
0.00%
-£1,174
£97,190
-73.2%
Low
Feasible
Refurb & refinance
4.92%
-£381
£115,906
-15.8%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£199
£279,306
3%
Med
Feasible
Rent by the room
7.38%
-£595
£97,190
-27.7%
—
Feasible
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £598/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Swansea
LHA monthly cap:
£598
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
+£402/mo cash flow vs Rent it out if converted to Rent by the room
12.00% Return before costs on price converted vs 4.92% as-is
As-is Rent it out
Monthly profit-£341
Return before costson price4.92%
Cash needed£71,898
If converted to Rent by the room
Monthly profit+£61
Return before costson price12.00%
Cash needed£87,898
Δ vs Rent it outMonthly profit+£402
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,990–£92,080full refurb + room split
What's in this cost
Kitchen£8,640–£17,280
1 × bathroom£5,700–£10,450
Rewire£3,960–£6,930
Replumb£2,970–£5,940
Windows£9,900–£17,820
Paint + decor£6,930–£12,870
Flooring£10,890–£20,790
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & area intelligence
Transport 10 / 100
Loading map…
Transport score10 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Tax treatment
-£4,576/yr kept
Annual gross rent£11,820
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£4,576
Exit costs
-£18,262 after CGT
Projected sale price (5y · 2%/yr growth)£264,979
Capital gain (pre-CGT)£24,979
Sale costs (~2.5%)£6,624
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-£18,262
Rates as of Oct 2024
Acquisition costs
£97,190cash needed
Purchase price£240,000
Deposit (25%)£60,000
Stamp duty+4% higher-rate surcharge£14,100
Refurb£16,790
Legal + survey£1,700
Mortgage fees£4,600
Total cash neededdeposit + costs (loan covers the rest)£97,190
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Property Description
Belvoir Sketty are delighted to bring to the market this beautifully presented and spacious three-bedroom semi-detached home, ideally situated in Cockett with excellent access to Swansea City Centre, local amenities and the M4 motorway.
From the moment you step inside, the property offers a bright, welcoming and contemporary feel. The ground floor provides generous and versatile living accommodation, including a spacious open-plan living and dining area…
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£240K
Return before costs
4.92%
est rent £985/monot enough comparablesRange £896–£1,083/mo (Q1–Q3)
Bedrooms
3
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
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
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: £896–£1,083/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · £60,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£12,593–£23,506 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £180,000 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
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £598/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Swansea
LHA monthly cap:
£598
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
£11,820
£4,241
£11,700
£0
£0
-£4,121
-£4,121
Year 2
£12,175
£4,368
£11,700
£0
£0
-£3,894
-£8,015
Year 3
£12,540
£4,499
£11,700
£0
£0
-£3,659
-£11,674
Year 4
£12,916
£4,634
£11,700
£0
£0
-£3,418
-£15,092
Year 5
£13,304
£4,773
£11,700
£0
£0
-£3,170
-£18,262
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
4107
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeAsk agent
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 · OfstedChecking…
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 10/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,340
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£18,262
Acquisition costs
£97K
25% deposit£60,000
Stamp duty£14,100
Refurb£16,790
Legal + survey£1,700
Mortgage + broker£4,600
Cash needed£97,190
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
Property Description
Belvoir Sketty are delighted to bring to the market this beautifully presented and spacious three-bedroom semi-detached home, ideally situated in Cockett with excellent access to Swansea City Centre, local amenities and the M4 motorway.
From the moment you step inside, the property offers a bright, welcoming and contemporary feel. The ground floor provides generous and versatile living accommodation, including a spacious open-plan living and dining area…