Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 9
85/ 100
Strong
14.34% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 14.34% 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
- 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
+£42/mo
Barely breaks even each month
Price
£75K
No local sold comps to compare
Return · IRR
1.3%/yr
Modest annualised return
Cash to get in
£33K
Deposit + fees + refurb
Return before costs on price 14.34%5-yr return on cash 16%Rent est. £896 (£772–£1,040)
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
Rates as of 20 May 2026Buy-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: £772–£1,040/mo · n=90
Financing
DepositYour cash in — the rest is the mortgage25% · £18,750
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £56,250 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
+£42
after mortgage, operating costs & tax
Rent in£896/mo gross
£862/mo collected · £34/mo lost to voids
Where it goes
£305Mortgage£505Costs
£42/mo left as profit · 5% of rent kept
Mortgage£305
Costs£505
Management£90
Maintenance£67
Insurance£20
CapEx reserve£45
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax£10
Profit+£42
Returns
Return before costs on price14.34%
Cash return on cash1.51%
Gross margin£356
Cash needed£33,042
Monthly profit payback66y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.83
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 | £10,752 | £6,065 | £3,656 | £0 | £196 | £834 | £834 |
| Year 2 | £11,075 | £6,247 | £3,656 | £0 | £222 | £949 | £1,784 |
| Year 3 | £11,407 | £6,435 | £3,656 | £0 | £250 | £1,066 | £2,849 |
| Year 4 | £11,749 | £6,628 | £3,656 | £0 | £278 | £1,187 | £4,036 |
| Year 5 | £12,101 | £6,827 | £3,656 | £0 | £308 | £1,311 | £5,347 |
Disposal gain (gross)-£6,431
CGT£0
Net Disposal proceeds£80,736
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
SchoolsChecking…
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortCH1 · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Liverpool · 24.2 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
1-bed · 1-bath · 630 sqft
£19k–£37k
£ per sqft
building cost only
£29–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£4,410–£8,190
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
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 history0d on marketno cuts yet
Strategy matrix
Rent it out wins — +£42/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 | 14.34% | +£42 | £33,042 | 16.2% | Low | Feasible |
| Housing-benefit rent | 8.78% | -£267 | £33,042 | -39.9% | Med | Feasible |
| Council lease | 0.00% | -£671 | £33,042 | -125.9% | Low | Feasible |
| Refurb & refinance | 14.34% | +£42 | £39,359 | 13.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £89,734 | -0% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA West Cheshire · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- West Cheshire
- LHA monthly cap:
- £549
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
+£396/mo cash flow vs Rent it out if converted to Rent by the room
38.40% Return before costs on price converted vs 14.34% as-is
As-is Rent it out
Monthly profit+£187
Return before costs on price14.34%
Cash needed£30,648
If converted to Rent by the room
Monthly profit+£583
Return before costs on price38.40%
Cash needed£46,648
Δ vs Rent it out Monthly profit+£396
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£10,752
Section 24 credit£0
Annual tax due£196
Post-tax Monthly profit annual£421
Exit costs
Projected sale price (5y · 2%/yr growth)£82,806
Capital gain (pre-CGT)£7,806
Sale costs (~2.5%)£2,070
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£5,347
Rates as of Oct 2024
Acquisition costs
£33,042cash neededPurchase price£75,000
Deposit (25%)£18,750
Stamp duty+5% additional-property surcharge£3,750
Refurb£6,417
Legal + survey£2,000
Mortgage fees£2,125
Total cash neededdeposit + costs (loan covers the rest)£33,042
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
An well presented studio apartment being sold under the Discount for Sale property scheme, providing the opportunity for a buyer to acquire a 100% ownership but at 30% discounted rate (for which certain eligibility criteria exists and interested parties need to apply to the Council to be assessed ). Located within a vibrant city centre location, Chedworth House, which itself forms part of 'The Square' development, close to the main Chester railway stations and popular nightsp…
Floor plans
Listing metaonthemarket · Beresford Adams - Chester
About this listing
OnTheMarketPrice history
5-year price trend
Monthly profit
+£42
Cash needed
£33K
Return after costs
1.51%
IRR
1.28%
Seller Street, CHESTER, Cheshire, CH1, Chester, CH1
flat · 1 bed · 1 bath
£75,000
est £896 · 14.34% gross
1 / 9
85/100
Strong
14.34% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
14.34% Return before costs — above-market
Price
£75K
Return before costs
14.34%
est rent £896/monot enough comparablesRange £772–£1,040/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Run the numbers
What-if calculator
Rates as of 20 May 2026Buy-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: £772–£1,040/mo · n=90
Financing
DepositYour cash in — the rest is the mortgage25% · £18,750
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £56,250 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
+£42
after mortgage, operating costs & tax
Rent in£896/mo gross
£862/mo collected · £34/mo lost to voids
Where it goes
£305Mortgage£505Costs
£42/mo left as profit · 5% of rent kept
Mortgage£305
Costs£505
Management£90
Maintenance£67
Insurance£20
CapEx reserve£45
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax£10
Profit+£42
Returns
Return before costs on price14.34%
Cash return on cash1.51%
Gross margin£356
Cash needed£33,042
Monthly profit payback66y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.83
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA West Cheshire · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- West Cheshire
- LHA monthly cap:
- £549
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 | £10,752 | £6,065 | £3,656 | £0 | £196 | £834 | £834 |
| Year 2 | £11,075 | £6,247 | £3,656 | £0 | £222 | £949 | £1,784 |
| Year 3 | £11,407 | £6,435 | £3,656 | £0 | £250 | £1,066 | £2,849 |
| Year 4 | £11,749 | £6,628 | £3,656 | £0 | £278 | £1,187 | £4,036 |
| Year 5 | £12,101 | £6,827 | £3,656 | £0 | £308 | £1,311 | £5,347 |
Rent by the room upside
What we verified
2307
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 · OfstedChecking…
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£731
Annual rental tax£117
CGT yr 5£0 · company level
5y net total£5,347
Acquisition costs
25% deposit£18,750
Stamp duty£3,750
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£2,125
Cash needed£33,042
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
An well presented studio apartment being sold under the Discount for Sale property scheme, providing the opportunity for a buyer to acquire a 100% ownership but at 30% discounted rate (for which certain eligibility criteria exists and interested parties need to apply to the Council to be assessed ). Located within a vibrant city centre location, Chedworth House, which itself forms part of 'The Square' development, close to the main Chester railway stations and popular nightsp…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice