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
−£1K/mo
You top up £1K/mo
Price
£85K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
£36K
Deposit + fees + refurb
5-yr return on cash -184%
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 live
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £21,250
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
3.0%9.0%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £63,750 loan + £1,000 booking fee
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.
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
Compare 7 strategies side-by-side · best shown with ⭐
⭐Council lease wins — -£1,061/mo · £5/mo ahead of Rent it out
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
0.00%
-£1,066
£36,192
-184.3%
Low
Feasible
Housing-benefit rent
0.00%
-£1,071
£36,192
-185.1%
Med
Feasible
⭐ Council lease
0.00%
-£1,061
£36,192
-183.4%
Low
Feasible
Refurb & refinance
0.00%
-£1,066
£43,009
-155.1%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£729
£100,234
-1%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Ready to move on this deal?
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Pro analysis — outcome range, stress tests & portfolio impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£1,086/mo cash flow vs Rent it out if converted to Rent by the room
33.88% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£535
Return before costson price0.00%
Cash needed£33,148
If converted to Rent by the room
Monthly profit+£551
Return before costson price33.88%
Cash needed£49,148
Δ vs Rent it outMonthly profit+£1,086
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 mi
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
Transport score100 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Tax treatment
-£12,793/yr kept
Annual gross rent£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£12,793
Exit costs
-£66,687 after CGT
Projected sale price (5y · 2%/yr growth)£93,847
Capital gain (pre-CGT)£8,847
Sale costs (~2.5%)£2,346
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 profitafter CGT-£66,687
Rates as of Oct 2024
Acquisition costs
£36,192cash needed
Purchase price£85,000
Deposit (25%)£21,250
Stamp duty+5% additional-property surcharge£4,250
Refurb£6,417
Legal + survey£2,000
Mortgage fees£2,275
Total cash neededdeposit + costs (loan covers the rest)£36,192
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
A one bedroom ground floor retirement flat situated in the popular catchment area of Broadwater, close to local shops, amenities and bus services. The accommodation consists of a communal hallway, reception hall, lounge/dining room, kitchen, double bedroom, shower room/w.c, residents parking, communal facilities and gardens.
Communal Hallway - Accessed via glazed communal doors with security entryphone system. Private door to flat.
Broadwater Street East, Broadwater, Worthing, Worthing
flat · 1 bed · 1 bath
£85,000
Leasehold 62yr
1 / 5
0/100
Marginal
No rent data — verify locally before offering.
Lease 62 yrs — mortgage risk
Price
£85K
Return before costs
—
rent unknown
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Deal flags2 issues
Retirement only
Age-restricted resale; limited buyer pool
Lease — 62 yrs
Below 80 yrs — extend before remortgage or exit
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £21,250
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
3.0%9.0%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £63,750 loan + £1,000 booking fee
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£797
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£66,687
Acquisition costs
£36K
25% deposit£21,250
Stamp duty£4,250
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£2,275
Cash needed£36,192
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
A one bedroom ground floor retirement flat situated in the popular catchment area of Broadwater, close to local shops, amenities and bus services. The accommodation consists of a communal hallway, reception hall, lounge/dining room, kitchen, double bedroom, shower room/w.c, residents parking, communal facilities and gardens.
Communal Hallway - Accessed via glazed communal doors with security entryphone system. Private door to flat.