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Year 5 disposal
⊞ View all 5
60/ 100
Solid
11.72% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 11.72% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£29/mo — mildly negative — equity build may cover
- -0.9% 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
−£29/mo
You top up £29/mo
Price
£85K
No local sold comps to compare
Return · IRR
-0.9%/yr
Loses money over 5 years
Cash to get in
£41K
Deposit + fees + refurb
Return before costs on price 11.72%5-yr return on cash 3%Rent est. £830 (£842–£818)
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
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: £842–£818/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · £21,250
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £63,750 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£29
after mortgage, operating costs & tax
Rent in£830/mo gross
£798/mo collected · £32/mo lost to voids
Where it goes
£332Mortgage£496Costs
Outgoings exceed rent — you top up £29/mo
Mortgage£332
Costs£496
Management£83
Maintenance£67
Insurance£20
CapEx reserve£42
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£29
Returns
Return before costs on price11.72%
Cash return on cash-0.87%
Gross margin£303
Cash needed£40,539
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.31
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £9,960 | £5,947 | £3,984 | £0 | £6 | £23 | £23 |
| Year 2 | £10,259 | £6,125 | £3,984 | £0 | £28 | £122 | £145 |
| Year 3 | £10,567 | £6,309 | £3,984 | £0 | £52 | £222 | £366 |
| Year 4 | £10,884 | £6,498 | £3,984 | £0 | £76 | £325 | £691 |
| Year 5 | £11,210 | £6,693 | £3,984 | £0 | £101 | £432 | £1,123 |
Disposal gain (gross)-£10,513
CGT£0
Net Disposal proceeds£91,501
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Building condition
Energy ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
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
SchoolsNo postcode
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Birmingham City · 21.4 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 history1d on marketno cuts yet
Strategy matrix
Rent it out wins — -£29/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 | 11.72% | -£29 | £40,539 | 2.8% | Low | Feasible |
| Housing-benefit rent | 8.80% | -£239 | £40,539 | -27.0% | Med | Feasible |
| Council lease | 0.00% | -£698 | £40,539 | -106.7% | Low | Feasible |
| Refurb & refinance | 11.72% | -£29 | £49,095 | 2.3% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £106,320 | -4% | 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
+£439/mo cash flow vs Rent it out if converted to Rent by the room
33.88% Return before costs on price converted vs 11.72% as-is
As-is Rent it out
Monthly profit+£112
Return before costs on price11.72%
Cash needed£33,148
If converted to Rent by the room
Monthly profit+£551
Return before costs on price33.88%
Cash needed£49,148
Δ vs Rent it out Monthly profit+£439
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
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 69% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- no local HMO decisions on record
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
£27,086–£51,000full refurb + room split
⚠️ Capped at 60% of £85,000 asking (£51,000). Raw model: £42,690–£80,380. Verify with a surveyor before offering.
What's in this cost
- Kitchen£5,482–£10,964
- 1 × bathroom£3,617–£6,630
- Rewire£2,056–£3,598
- Replumb£1,542–£3,084
- Windows£5,139–£9,251
- Paint + decor£3,598–£6,681
- Flooring£5,653–£10,793
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Wolverhampton City-wide HMO Article 4
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Tax treatment
Annual gross rent£9,960
Section 24 credit£0
Annual tax due£6
Post-tax Monthly profit annual-£360
Exit costs
Projected sale price (5y · 2%/yr growth)£93,847
Capital gain (pre-CGT)£8,847
Sale costs (~2.5%)£2,346
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£1,123
Rates as of Oct 2024
Acquisition costs
£40,539cash neededPurchase price£85,000
Deposit (25%)£21,250
Stamp duty+5% additional-property surcharge£4,250
Refurb£10,764
Legal + survey£2,000
Mortgage fees£2,275
Total cash neededdeposit + costs (loan covers the rest)£40,539
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
SUMMARY "A CHAIN FREE FIRST FLOOR APARTMENT IN A POPULAR RESIDENTIAL LOCATION" Comprising of communal entrance hall, internal entrance hall, two bedrooms, bathroom, large entertainment style lounge/ kitchen, communal grounds and parking area.
DESCRIPTION Connells Wolverhampton bring to the market this CHAIN FREE two bedroom modern first floor apartment in a popular residential location. Viewing is highly recommended to appreciate the accommodation on offer.
Comprising of…
Floor plans
Listing metaonthemarket · Connells - Wolverhampton
About this listing
1 days · OnTheMarketPrice history
No price history available.
Monthly profit
−£29
Cash needed
£41K
Return after costs
-0.87%
IRR
-0.89%
Listed 1d ago
Purcell Road, Bushbury, Wolverhampton, Wolverhampton
flat · 2 bed · 1 bath
£85,000
est £830 · 11.72% gross
Chain free
1 / 5
60/100
Solid
11.72% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
11.72% Return before costs — above-market
Chain free
Price
£85K
Return before costs
11.72%
est rent £830/monot enough comparables
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Run the numbers
What-if calculator
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: £842–£818/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · £21,250
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £63,750 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£29
after mortgage, operating costs & tax
Rent in£830/mo gross
£798/mo collected · £32/mo lost to voids
Where it goes
£332Mortgage£496Costs
Outgoings exceed rent — you top up £29/mo
Mortgage£332
Costs£496
Management£83
Maintenance£67
Insurance£20
CapEx reserve£42
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£29
Returns
Return before costs on price11.72%
Cash return on cash-0.87%
Gross margin£303
Cash needed£40,539
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.31
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £9,960 | £5,947 | £3,984 | £0 | £6 | £23 | £23 |
| Year 2 | £10,259 | £6,125 | £3,984 | £0 | £28 | £122 | £145 |
| Year 3 | £10,567 | £6,309 | £3,984 | £0 | £52 | £222 | £366 |
| Year 4 | £10,884 | £6,498 | £3,984 | £0 | £76 | £325 | £691 |
| Year 5 | £11,210 | £6,693 | £3,984 | £0 | £101 | £432 | £1,123 |
Rent by the room upside
What we verified
2306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
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
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedNo postcode
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£797
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£1,123
Acquisition costs
25% deposit£21,250
Stamp duty£4,250
Refurb£10,764
Legal + survey£2,000
Mortgage + broker£2,275
Cash needed£40,539
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
SUMMARY "A CHAIN FREE FIRST FLOOR APARTMENT IN A POPULAR RESIDENTIAL LOCATION" Comprising of communal entrance hall, internal entrance hall, two bedrooms, bathroom, large entertainment style lounge/ kitchen, communal grounds and parking area.
DESCRIPTION Connells Wolverhampton bring to the market this CHAIN FREE two bedroom modern first floor apartment in a popular residential location. Viewing is highly recommended to appreciate the accommodation on offer.
Comprising of…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice