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Year 5 disposal
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3/ 100
Weak
5.28% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£322/mo — significantly negative — real recurring drain
- -4.0% 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
−£322/mo
You top up £322/mo
Price
£250K
No local sold comps to compare
Return · IRR
-4.0%/yr
Loses money over 5 years
Cash to get in
£95K
Deposit + fees + refurb
Return before costs on price 5.28%5-yr return on cash -15%Rent est. £1,100 (£1,018–£1,189)
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: £1,018–£1,189/mo · n=100
Financing
DepositYour cash in — the rest is the mortgage25% · £62,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £187,500 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£322
after mortgage, operating costs & tax
Rent in£1,100/mo gross
£1,058/mo collected · £42/mo lost to voids
Where it goes
£977Mortgage£403Costs
Outgoings exceed rent — you top up £322/mo
Mortgage£977
Costs£403
Management£110
Maintenance£100
Insurance£28
CapEx reserve£55
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£322
Returns
Return before costs on price5.28%
Cash return on cash-4.06%
Gross margin£655
Cash needed£95,164
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.04
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 | £13,200 | £4,834 | £11,719 | £0 | £0 | -£3,353 | -£3,353 |
| Year 2 | £13,596 | £4,979 | £11,719 | £0 | £0 | -£3,102 | -£6,455 |
| Year 3 | £14,004 | £5,128 | £11,719 | £0 | £0 | -£2,843 | -£9,298 |
| Year 4 | £14,424 | £5,282 | £11,719 | £0 | £0 | -£2,577 | -£11,875 |
| Year 5 | £14,857 | £5,441 | £11,719 | £0 | £0 | -£2,303 | -£14,178 |
Disposal gain (gross)-£8,794
CGT£0
Net Disposal proceeds£269,120
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
SchoolsNo postcode
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Cambridge · 42 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 · 2-bath · 810 sqft
£25k–£49k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- 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 — -£322/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 | 5.28% | -£322 | £95,164 | -14.9% | Low | Feasible |
| Housing-benefit rent | 3.96% | -£599 | £95,164 | -32.0% | Med | Feasible |
| Council lease | 0.00% | -£1,209 | £95,164 | -77.1% | Low | Feasible |
| Refurb & refinance | 5.28% | -£322 | £111,970 | -12.7% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £282,220 | 6% | 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
+£316/mo cash flow vs Rent it out if converted to Rent by the room
11.52% Return before costs on price converted vs 5.28% as-is
As-is Rent it out
Monthly profit-£287
Return before costs on price5.28%
Cash needed£74,398
If converted to Rent by the room
Monthly profit+£29
Return before costs on price11.52%
Cash needed£90,398
Δ vs Rent it out Monthly profit+£316
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
£40,000
Range: £34,000 – £48,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,390–£90,830full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
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£13,200
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,860
Exit costs
Projected sale price (5y · 2%/yr growth)£276,020
Capital gain (pre-CGT)£26,020
Sale costs (~2.5%)£6,901
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-£14,178
Rates as of Oct 2024
Acquisition costs
£95,164cash neededPurchase price£250,000
Deposit (25%)£62,500
Stamp duty+5% additional-property surcharge£15,000
Refurb£10,764
Legal + survey£2,150
Mortgage fees£4,750
Total cash neededdeposit + costs (loan covers the rest)£95,164
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Situated in the popular village of Clapham, this attractive two-bedroom semi-detached cottage offers well-proportioned accommodation arranged over two floors, together with a good-sized rear garden and the valuable benefit of gated parking to the rear, accessed via a right of way. The property is offered for sale with no onward chain.
The ground floor provides a welcoming lounge, with ample space for both seating and dining, featuring an attractive open fireplace which creat…
Floor plans
Listing metaonthemarket · Lane & Holmes - Bedford
About this listing
OnTheMarketPrice history
No price history available.
Monthly profit
−£322
Cash needed
£95K
Return after costs
-4.06%
IRR
-4.04%
The Warren, Clapham, Bedford, Bedford
detached · 2 bed · 2 bath
£250,000
est £1,100 · 5.28% gross
1 / 19
3/100
Marginal
5.28% — verify the rent + comps locally.
5.28% Return before costs — around the area average for this property type.
Monthly profit −£322/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£250K
Return before costs
5.28%
est rent £1,100/monot enough comparablesRange £1,018–£1,189/mo (Q1–Q3)
Bedrooms
2
2 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: £1,018–£1,189/mo · n=100
Financing
DepositYour cash in — the rest is the mortgage25% · £62,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £187,500 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£322
after mortgage, operating costs & tax
Rent in£1,100/mo gross
£1,058/mo collected · £42/mo lost to voids
Where it goes
£977Mortgage£403Costs
Outgoings exceed rent — you top up £322/mo
Mortgage£977
Costs£403
Management£110
Maintenance£100
Insurance£28
CapEx reserve£55
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£322
Returns
Return before costs on price5.28%
Cash return on cash-4.06%
Gross margin£655
Cash needed£95,164
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.04
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 | £13,200 | £4,834 | £11,719 | £0 | £0 | -£3,353 | -£3,353 |
| Year 2 | £13,596 | £4,979 | £11,719 | £0 | £0 | -£3,102 | -£6,455 |
| Year 3 | £14,004 | £5,128 | £11,719 | £0 | £0 | -£2,843 | -£9,298 |
| Year 4 | £14,424 | £5,282 | £11,719 | £0 | £0 | -£2,577 | -£11,875 |
| Year 5 | £14,857 | £5,441 | £11,719 | £0 | £0 | -£2,303 | -£14,178 |
Rent by the room upside
What we verified
3206
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 · OfstedNo postcode
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£2,344
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£14,178
Acquisition costs
25% deposit£62,500
Stamp duty£15,000
Refurb£10,764
Legal + survey£2,150
Mortgage + broker£4,750
Cash needed£95,164
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 in the popular village of Clapham, this attractive two-bedroom semi-detached cottage offers well-proportioned accommodation arranged over two floors, together with a good-sized rear garden and the valuable benefit of gated parking to the rear, accessed via a right of way. The property is offered for sale with no onward chain.
The ground floor provides a welcoming lounge, with ample space for both seating and dining, featuring an attractive open fireplace which creat…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice