-4.8% 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.
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
−£701/mo
You top up £701/mo
Price
£560K
No local sold comps to compare
Return · IRR
-4.8%/yr
Loses money over 5 years
Cash to get in
£213K
Deposit + fees + refurb
Return before costson price4.50%5-yr return on cash -15%Rent est. £2,099 (£1,991–£2,213)
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: £1,991–£2,213/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £140,000
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £420,000 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.
Total cash neededdeposit + costs (loan covers the rest)£213,411
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
SUMMARY
The Keyford - Last Chance To Buy. A Three bedroom semi-detached boasting an open plan kitchen/diner with access to the garden and is perfect for those social couples or families.
DESCRIPTION
This stunning 3 bedroom home is ideal for families as it provides different zones downstairs for older kids as well as a sociable eating space for round-the-table mealtimes. The hallway includes full-height storage, giving you additional storage for those everyday items. The self…
Green Lane, Bovingdon, Hemel Hempstead, Hemel Hempstead
semi-detached · 3 bed · 2 bath
£560,000
est £2,099 · 4.50% gross
1 / 5
0/100
Marginal
4.50% — verify the rent + comps locally.
4.50% Return before costs — around the area average for this property type.
Monthly profit −£701/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£560K
Return before costs
4.50%
est rent £2,099/monot enough comparablesRange £1,991–£2,213/mo (Q1–Q3)
Bedrooms
3
2 bath
Energy rating
—
Energy rating
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: £1,991–£2,213/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £140,000
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £420,000 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
£25,188
£6,380
£26,250
£0
£0
-£7,442
-£7,442
Year 2
£25,944
£6,572
£26,250
£0
£0
-£6,878
-£14,320
Year 3
£26,722
£6,769
£26,250
£0
£0
-£6,297
-£20,617
Year 4
£27,524
£6,972
£26,250
£0
£0
-£5,698
-£26,315
Year 5
£28,349
£7,181
£26,250
£0
£0
-£5,082
-£31,397
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
5006
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▾
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 / 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 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£5,250
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£31,397
Acquisition costs
£213K
25% deposit£140,000
Stamp duty£46,000
Refurb£15,111
Legal + survey£2,900
Mortgage + broker£9,400
Cash needed£213,411
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
SUMMARY
The Keyford - Last Chance To Buy. A Three bedroom semi-detached boasting an open plan kitchen/diner with access to the garden and is perfect for those social couples or families.
DESCRIPTION
This stunning 3 bedroom home is ideal for families as it provides different zones downstairs for older kids as well as a sociable eating space for round-the-table mealtimes. The hallway includes full-height storage, giving you additional storage for those everyday items. The self…