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Year 5 disposal
⊞ View all 5
13/ 100
Weak
6.29% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Long lease (260 yrs) — no short-lease drag
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£313/mo — significantly negative — real recurring drain
- -3.3% 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
−£313/mo
You top up £313/mo
Price
£350K
No local sold comps to compare
Return · IRR
-3.3%/yr
Loses money over 5 years
Cash to get in
£128K
Deposit + fees + refurb
Return before costs on price 6.29%5-yr return on cash -8%Rent est. £1,834 (£1,707–£1,970)
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: £1,707–£1,970/mo · n=86
Financing
DepositYour cash in — the rest is the mortgage25% · £87,500
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,500 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£313
after mortgage, operating costs & tax
Rent in£1,834/mo gross
£1,763/mo collected · £71/mo lost to voids
Where it goes
£1,422Mortgage£655Costs
Outgoings exceed rent — you top up £313/mo
Mortgage£1,422
Costs£655
Management£183
Maintenance£67
Insurance£28
CapEx reserve£92
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£313
Returns
Return before costs on price6.29%
Cash return on cash-2.94%
Gross margin£1,109
Cash needed£127,692
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.24
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 | £22,008 | £7,859 | £17,063 | £0 | £0 | -£2,914 | -£2,914 |
| Year 2 | £22,668 | £8,095 | £17,063 | £0 | £0 | -£2,489 | -£5,403 |
| Year 3 | £23,348 | £8,338 | £17,063 | £0 | £0 | -£2,052 | -£7,455 |
| Year 4 | £24,049 | £8,588 | £17,063 | £0 | £0 | -£1,602 | -£9,057 |
| Year 5 | £24,770 | £8,846 | £17,063 | £0 | £0 | -£1,138 | -£10,195 |
Disposal gain (gross)-£7,174
CGT£0
Net Disposal proceeds£376,768
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
Leasehold260 yr
Tenure & planning260 yr
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 cohortHA9 · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 10 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 · 735 sqft · London ×1.4
£26k–£51k
£ per sqft
building cost only
£36–£70
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£7,350–£13,230
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,290–£19,110
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 — -£313/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 | 6.29% | -£313 | £127,692 | -8.0% | Low | Feasible |
| Housing-benefit rent | 4.72% | -£771 | £127,692 | -29.1% | Med | Feasible |
| Council lease | 0.00% | -£1,796 | £127,692 | -85.5% | Low | Feasible |
| Refurb & refinance | 6.29% | -£313 | £147,759 | -6.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£374 | £386,509 | 7% | 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
-£273/mo cash flow vs Rent it out if converted to Rent by the room
8.23% Return before costs on price converted vs 6.29% as-is
As-is Rent it out
Monthly profit-£82
Return before costs on price6.29%
Cash needed£99,398
If converted to Rent by the room
Monthly profit-£354
Return before costs on price8.23%
Cash needed£115,398
Δ vs Rent it out Monthly profit-£273
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.
Planning approval likelihood
Uncertain · 35% 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 34% (224 decisions)
≈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.
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
Article 4 for HMOs
≈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£22,008
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,760
Exit costs
Projected sale price (5y · 2%/yr growth)£386,428
Capital gain (pre-CGT)£36,428
Sale costs (~2.5%)£9,661
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-£10,195
Rates as of Oct 2024
Acquisition costs
£127,692cash neededPurchase price£350,000
Deposit (25%)£87,500
Stamp duty+5% additional-property surcharge£25,000
Refurb£6,417
Legal + survey£2,525
Mortgage fees£6,250
Total cash neededdeposit + costs (loan covers the rest)£127,692
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
An inviting spacious 1 bedroom apartment forming part of this amazing new development in the heart of Wembley.
This 605sq.ft apartment offers a contemporary design for the ease of modern living incorporating an open-plan living space and U-shaped kitchen with integrated appliances. The large double bedroom has access to a private balcony. A tiled bathroom, and ample storage complete the layout.
The development also offers a wealth of onsite facilities that include a concier…
Floor plans
Nearby active comparables14 rentals
Comparable rentals
HA9 · same beds + typeMedian nearby: £1,650/mo · 14 of 14 already let-£184 vs our est
- Maclaren Court, Wembley, HA9Let1b£1,900/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,500/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,850/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,700/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,550/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,600/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,500/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,800/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,500/moMay 2026
- UNCLE Wembley, Wembley, HA9Let1b£1,899/moMay 2026
- Jenga Court, Wembley, HA9Let1b£1,600/moMay 2026
- Central Apartments, Wembley, HA9Let1b£1,800/moMay 2026
- Kings Drive, Wembley Park, Wembley, H…Let1b£1,150/moMay 2026
- Engineers Way, Wembley, HA9Let1b£1,825/moMay 2026
Other deals nearby
HA9 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metaonthemarket · Hamptons - Stanmore & Greater London New Homes
About this listing
OnTheMarketPrice history
5-year price trend
Monthly profit
−£313
Cash needed
£128K
Return after costs
-2.94%
IRR
-3.30%
Plot 11 The Pages High Road, Wembley, HA9, Wembley, HA9
flat · 1 bed · 1 bath
£350,000
est £1,834 · 6.29% gross
Leasehold 260yr
1 / 5
13/100
Marginal
6.29% — verify the rent + comps locally.
6.29% Return before costs — around the area average for this property type.
Monthly profit −£313/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£350K
Return before costs
6.29%
est rent £1,834/monot enough comparablesRange £1,707–£1,970/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: £1,707–£1,970/mo · n=86
Financing
DepositYour cash in — the rest is the mortgage25% · £87,500
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,500 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£313
after mortgage, operating costs & tax
Rent in£1,834/mo gross
£1,763/mo collected · £71/mo lost to voids
Where it goes
£1,422Mortgage£655Costs
Outgoings exceed rent — you top up £313/mo
Mortgage£1,422
Costs£655
Management£183
Maintenance£67
Insurance£28
CapEx reserve£92
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£313
Returns
Return before costs on price6.29%
Cash return on cash-2.94%
Gross margin£1,109
Cash needed£127,692
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.24
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 | £22,008 | £7,859 | £17,063 | £0 | £0 | -£2,914 | -£2,914 |
| Year 2 | £22,668 | £8,095 | £17,063 | £0 | £0 | -£2,489 | -£5,403 |
| Year 3 | £23,348 | £8,338 | £17,063 | £0 | £0 | -£2,052 | -£7,455 |
| Year 4 | £24,049 | £8,588 | £17,063 | £0 | £0 | -£1,602 | -£9,057 |
| Year 5 | £24,770 | £8,846 | £17,063 | £0 | £0 | -£1,138 | -£10,195 |
Rent by the room upside
What we verified
3207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining260 yr
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£3,413
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£10,195
Acquisition costs
25% deposit£87,500
Stamp duty£25,000
Refurb£6,417
Legal + survey£2,525
Mortgage + broker£6,250
Cash needed£127,692
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 inviting spacious 1 bedroom apartment forming part of this amazing new development in the heart of Wembley.
This 605sq.ft apartment offers a contemporary design for the ease of modern living incorporating an open-plan living space and U-shaped kitchen with integrated appliances. The large double bedroom has access to a private balcony. A tiled bathroom, and ample storage complete the layout.
The development also offers a wealth of onsite facilities that include a concier…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice