Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 27
71/ 100
Solid
7.12% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.12% return before costs — above-market
Why to be cautious
- 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
+£26/mo
Barely breaks even each month
Price
£300K
No local sold comps to compare
Return · IRR
0.3%/yr
Modest annualised return
Cash to get in
£118K
Deposit + fees + refurb
Return before costs on price 7.12%5-yr return on cash 7%Rent est. £1,781 (£1,664–£1,906)
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: £1,664–£1,906/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £74,999
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 (£11,277–£21,050 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £224,996.25 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 £200K–£400K
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
+£26
after mortgage, operating costs & tax
Rent in£1,781/mo gross
£1,713/mo collected · £69/mo lost to voids
Where it goes
£1,172Mortgage£508Costs
£26/mo left as profit · 2% of rent kept
Mortgage£1,172
Costs£508
Management£178
Maintenance£100
Insurance£28
CapEx reserve£89
Voids + council tax£9
Ltd co. accounts£104
Tax£6
Profit+£26
Returns
Return before costs on price7.12%
Cash return on cash0.27%
Gross margin£1,204
Cash needed£117,685
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.41
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 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 | £21,372 | £6,099 | £14,062 | £0 | £230 | £981 | £981 |
| Year 2 | £22,013 | £6,282 | £14,062 | £0 | £317 | £1,352 | £2,333 |
| Year 3 | £22,674 | £6,470 | £14,062 | £0 | £407 | £1,734 | £4,067 |
| Year 4 | £23,354 | £6,664 | £14,062 | £0 | £499 | £2,128 | £6,195 |
| Year 5 | £24,054 | £6,864 | £14,062 | £0 | £594 | £2,534 | £8,729 |
Disposal gain (gross)-£14,243
CGT£0
Net Disposal proceeds£322,938
What we verified
What we verified
50065 ok · 0 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
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
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 profileFamily let
Tenant profilelikely cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 11.5 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 3-bath · 1044 sqft
£33k–£64k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 3 × bathroom · Full strip + retile£9,975–£19,950
- Paint + decor£7,308–£13,572
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£11,484–£21,924
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
Price & sale history0d on marketno cuts yet
Strategy matrix
Rent it out wins — +£26/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 | 7.12% | +£26 | £117,685 | 7.4% | Low | Feasible |
| Housing-benefit rent | 5.34% | -£416 | £117,685 | -13.2% | Med | Feasible |
| Council lease | 0.00% | -£1,404 | £117,685 | -72.3% | Low | Feasible |
| Refurb & refinance | 7.12% | +£26 | £138,699 | 6.3% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £343,195 | 5% | Med | Feasible |
| Rent by the room | 9.60% | -£274 | £117,685 | -1.3% | — | Feasible |
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
-£216/mo cash flow vs Rent it out if converted to Rent by the room
9.60% Return before costs on price converted vs 7.12% as-is
As-is Rent it out
Monthly profit+£57
Return before costs on price7.12%
Cash needed£86,897
If converted to Rent by the room
Monthly profit-£159
Return before costs on price9.60%
Cash needed£102,897
Δ vs Rent it out Monthly profit-£216
Show conversion detail
Conversion cost estimate
£22,000
Range: £16,000 – £30,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£62,280–£116,490full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 3 × bathroom£17,100–£31,350
- Rewire£4,176–£7,308
- Replumb£3,132–£6,264
- Windows£10,440–£18,792
- Paint + decor£7,308–£13,572
- Flooring£11,484–£21,924
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£21,372
Section 24 credit£0
Annual tax due£230
Post-tax Monthly profit annual£159
Exit costs
Projected sale price (5y · 2%/yr growth)£331,219
Capital gain (pre-CGT)£31,224
Sale costs (~2.5%)£8,280
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£8,729
Rates as of Oct 2024
Acquisition costs
£117,685cash neededPurchase price£299,995
Deposit (25%)£74,999
Stamp duty+5% additional-property surcharge£20,000
Refurb£15,036
Legal + survey£2,150
Mortgage fees£5,500
Total cash neededdeposit + costs (loan covers the rest)£117,685
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Set in the charming area of Kiltongue Lane, Cambuslang, this nearly new detached family home offers a perfect blend of modern living and family comfort. Built in 2022, the property boasts a generous 1,044 square feet of well-designed space, making it an ideal home for families seeking both style and functionality.
As you enter, you are welcomed into a spacious reception room that provides a warm and inviting atmosphere, perfect for entertaining guests or enjoying quiet famil…
Floor plans
Listing metaonthemarket · Hemmings Homes - Motherwell
About this listing
OnTheMarketPrice history
No price history available.
Monthly profit
+£26
Cash needed
£118K
Return after costs
0.27%
IRR
0.26%
Kiltongue Lane, Cambuslang, Glasgow, Glasgow
detached · 4 bed · 3 bath · 1,044 sqft
£299,995
est £1,781 · 7.12% gross
1 / 27
71/100
Solid
7.12% — verify the rent + comps locally.
7.12% Return before costs — above-market
Price
£300K
Return before costs
7.12%
est rent £1,781/monot enough comparablesRange £1,664–£1,906/mo (Q1–Q3)
Bedrooms
4
3 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: £1,664–£1,906/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £74,999
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 (£11,277–£21,050 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £224,996.25 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 £200K–£400K
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
+£26
after mortgage, operating costs & tax
Rent in£1,781/mo gross
£1,713/mo collected · £69/mo lost to voids
Where it goes
£1,172Mortgage£508Costs
£26/mo left as profit · 2% of rent kept
Mortgage£1,172
Costs£508
Management£178
Maintenance£100
Insurance£28
CapEx reserve£89
Voids + council tax£9
Ltd co. accounts£104
Tax£6
Profit+£26
Returns
Return before costs on price7.12%
Cash return on cash0.27%
Gross margin£1,204
Cash needed£117,685
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.41
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 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 | £21,372 | £6,099 | £14,062 | £0 | £230 | £981 | £981 |
| Year 2 | £22,013 | £6,282 | £14,062 | £0 | £317 | £1,352 | £2,333 |
| Year 3 | £22,674 | £6,470 | £14,062 | £0 | £407 | £1,734 | £4,067 |
| Year 4 | £23,354 | £6,664 | £14,062 | £0 | £499 | £2,128 | £6,195 |
| Year 5 | £24,054 | £6,864 | £14,062 | £0 | £594 | £2,534 | £8,729 |
Rent by the room upside
What we verified
5006
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,812
Annual rental tax£74
CGT yr 5£0 · company level
5y net total£8,729
Acquisition costs
25% deposit£74,999
Stamp duty£20,000
Refurb£15,036
Legal + survey£2,150
Mortgage + broker£5,500
Cash needed£117,685
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
Set in the charming area of Kiltongue Lane, Cambuslang, this nearly new detached family home offers a perfect blend of modern living and family comfort. Built in 2022, the property boasts a generous 1,044 square feet of well-designed space, making it an ideal home for families seeking both style and functionality.
As you enter, you are welcomed into a spacious reception room that provides a warm and inviting atmosphere, perfect for entertaining guests or enjoying quiet famil…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice