Auction lot — bridging-only finance, 28-day completion
Monthly profit −£390/mo — significantly negative — real recurring drain
-5.5% 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
−£390/mo
You top up £390/mo
Price
£215K
No local sold comps to compare
Return · IRR
-5.5%/yr
Loses money over 5 years
Cash to get in
£85K
Deposit + fees + refurb
Return before costson price4.74%5-yr return on cash -23%Rent est. £849 (£849–£849)
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: £849–£849/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £53,750
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 (£9,419–£17,581 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £161,250 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 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)£84,783
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
For Sale By Public Auction on 22 October 2026 starting at 08:30 AM - Livestream Remote Bidding Auction
A freehold town centre mixed use investment property comprising a retail unit and two well presented self contained flats above. Current Rental Income: £27,600 per annum rising to £29,600 per annum from April 2028.
A prominent three storey mid terraced property comprises on the ground floor a modern hairdressing salon trading as Evanie Jon. On the first and second floor ar…
4.74% Return before costs — around the area average for this property type.
Monthly profit −£390/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£215K
Return before costs
4.74%
est rent £849/monot enough comparables
Bedrooms
2
0 bath
Energy rating
—
Energy rating
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: £849–£849/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £53,750
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 (£9,419–£17,581 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £161,250 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 Black Country · cap £623/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Black Country
LHA monthly cap:
£623
Scheme type:
none
Premium:
+1000% premium over LHA cap
Management:
landlord pays agent (typical 10%)
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
£10,188
£3,991
£10,481
£0
£0
-£4,284
-£4,284
Year 2
£10,494
£4,111
£10,481
£0
£0
-£4,099
-£8,383
Year 3
£10,808
£4,234
£10,481
£0
£0
-£3,907
-£12,290
Year 4
£11,133
£4,361
£10,481
£0
£0
-£3,710
-£16,000
Year 5
£11,467
£4,492
£10,481
£0
£0
-£3,507
-£19,507
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
2307
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
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£2,096
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£19,507
Acquisition costs
£85K
25% deposit£53,750
Stamp duty£12,550
Refurb£12,558
Legal + survey£1,700
Mortgage + broker£4,225
Cash needed£84,783
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
For Sale By Public Auction on 22 October 2026 starting at 08:30 AM - Livestream Remote Bidding Auction
A freehold town centre mixed use investment property comprising a retail unit and two well presented self contained flats above. Current Rental Income: £27,600 per annum rising to £29,600 per annum from April 2028.
A prominent three storey mid terraced property comprises on the ground floor a modern hairdressing salon trading as Evanie Jon. On the first and second floor ar…