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Year 5 disposal
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25/ 100
Weak
6.53% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£105/mo — mildly negative — equity build may cover
- -1.4% 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
−£105/mo
You top up £105/mo
Price
£230K
No local sold comps to compare
Return · IRR
-1.4%/yr
Loses money over 5 years
Cash to get in
£79K
Deposit + fees + refurb
Return before costs on price 6.53%5-yr return on cash -0%Rent est. £1,252 (£1,215–£1,290)
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: £1,215–£1,290/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£105
after mortgage, operating costs & tax
Rent in£1,252/mo gross
£1,204/mo collected · £48/mo lost to voids
Where it goes
£934Mortgage£375Costs
Outgoings exceed rent — you top up £105/mo
Mortgage£934
Costs£375
Management£125
Maintenance£50
Insurance£28
CapEx reserve£63
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£105
Returns
Return before costs on price6.53%
Cash return on cash-1.61%
Gross margin£829
Cash needed£78,600
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.29
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 | £15,024 | £4,498 | £11,213 | £0 | £0 | -£687 | -£687 |
| Year 2 | £15,475 | £4,633 | £11,213 | £0 | £0 | -£371 | -£1,057 |
| Year 3 | £15,939 | £4,772 | £11,213 | £0 | £0 | -£46 | -£1,103 |
| Year 4 | £16,417 | £4,915 | £11,213 | £0 | £55 | £234 | -£869 |
| Year 5 | £16,910 | £5,063 | £11,213 | £0 | £121 | £513 | -£355 |
Disposal gain (gross)£940
CGT£179
Net Disposal proceeds£247,411
What we verified
What we verified
41064 ok · 1 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
SchoolsChecking…
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortM7 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Manchester Metropolitan · 2.7 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 history0d on marketno cuts yet
Strategy matrix
Rent it out wins — -£105/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 | 6.53% | -£105 | £78,600 | -0.5% | Low | Feasible |
| Housing-benefit rent | 4.90% | -£419 | £78,600 | -23.7% | Med | Feasible |
| Council lease | 0.00% | -£1,117 | £78,600 | -86.1% | Low | Feasible |
| Refurb & refinance | 6.53% | -£105 | £90,640 | -0.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £247,190 | 10% | 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
+£178/mo cash flow vs Rent it out if converted to Rent by the room
12.52% Return before costs on price converted vs 6.53% as-is
As-is Rent it out
Monthly profit-£85
Return before costs on price6.53%
Cash needed£69,398
If converted to Rent by the room
Monthly profit+£93
Return before costs on price12.52%
Cash needed£85,398
Δ vs Rent it out Monthly profit+£178
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
£48,400
Range: £41,800 – £57,200
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 72% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 73% (291 decisions)
≈0.0% within 100 m vs 10% policy
£48,630–£91,735full refurb + room split
What's in this cost
- Kitchen£9,180–£18,360
- 1 × bathroom£6,150–£11,275
- Rewire£3,600–£6,300
- Replumb£2,700–£5,400
- Windows£9,000–£16,200
- Paint + decor£7,200–£13,500
- Flooring£10,800–£20,700
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
Salford HMO Article 4 — 2018 HMO Article 4 Direction (official council polygon)
≈0.0% within 100 m vs 10% policy
Tax treatment
Annual gross rent£15,024
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,264
Exit costs
Projected sale price (5y · 2%/yr growth)£253,939
Capital gain (pre-CGT)£23,939
Sale costs (~2.5%)£6,348
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-£355
Rates as of Oct 2024
Acquisition costs
£78,600cash neededPurchase price£230,000
Deposit (25%)£57,500
Stamp duty+5% additional-property surcharge£13,600
Refurb£1,350
Legal + survey£1,700
Mortgage fees£4,450
Total cash neededdeposit + costs (loan covers the rest)£78,600
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Situated on a quiet residential street in the heart of Salford, this beautifully presented two-bedroom mid-terrace home offers stylish and comfortable living, making it an ideal purchase for first-time buyers, young professionals, or families. Conveniently located close to local amenities, shops, reputable schools, parks, and excellent public transport links, the property combines everyday convenience with a peaceful setting.
Upon entering, you are welcomed by a bright entra…
Floor plans
Listing metaonthemarket · Bridgfords - Swinton
About this listing
OnTheMarketPrice history
5-year price trend
Monthly profit
−£105
Cash needed
£79K
Return after costs
-1.61%
IRR
-1.42%
Quendon Avenue, SALFORD, Lancashire, M7, Salford, M7
terraced · 2 bed · 1 bath
£230,000
est £1,252 · 6.53% gross
1 / 17
25/100
Marginal
6.53% — verify the rent + comps locally.
6.53% Return before costs — around the area average for this property type.
Monthly profit −£105/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£230K
Return before costs
6.53%
est rent £1,252/monot enough comparablesRange £1,215–£1,290/mo (Q1–Q3)
Bedrooms
2
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: £1,215–£1,290/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£105
after mortgage, operating costs & tax
Rent in£1,252/mo gross
£1,204/mo collected · £48/mo lost to voids
Where it goes
£934Mortgage£375Costs
Outgoings exceed rent — you top up £105/mo
Mortgage£934
Costs£375
Management£125
Maintenance£50
Insurance£28
CapEx reserve£63
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£105
Returns
Return before costs on price6.53%
Cash return on cash-1.61%
Gross margin£829
Cash needed£78,600
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.29
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 | £15,024 | £4,498 | £11,213 | £0 | £0 | -£687 | -£687 |
| Year 2 | £15,475 | £4,633 | £11,213 | £0 | £0 | -£371 | -£1,057 |
| Year 3 | £15,939 | £4,772 | £11,213 | £0 | £0 | -£46 | -£1,103 |
| Year 4 | £16,417 | £4,915 | £11,213 | £0 | £55 | £234 | -£869 |
| Year 5 | £16,910 | £5,063 | £11,213 | £0 | £121 | £513 | -£355 |
Rent by the room upside
What we verified
3207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 · 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£2,243
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£355
Acquisition costs
25% deposit£57,500
Stamp duty£13,600
Refurb£1,350
Legal + survey£1,700
Mortgage + broker£4,450
Cash needed£78,600
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
Situated on a quiet residential street in the heart of Salford, this beautifully presented two-bedroom mid-terrace home offers stylish and comfortable living, making it an ideal purchase for first-time buyers, young professionals, or families. Conveniently located close to local amenities, shops, reputable schools, parks, and excellent public transport links, the property combines everyday convenience with a peaceful setting.
Upon entering, you are welcomed by a bright entra…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice