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Year 5 disposal
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0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£442/mo — significantly negative — real recurring drain
- -8.8% 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
−£442/mo
You top up £442/mo
Price
£150K
No local sold comps to compare
Return · IRR
-8.8%/yr
Loses money over 5 years
Cash to get in
£62K
Deposit + fees + refurb
5-yr return on cash -39%Rent est. £665 (£525–£675)
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: £525–£675/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · £37,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £112,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£442
after mortgage, operating costs & tax
Rent in£665/mo gross
£639/mo collected · £26/mo lost to voids
Where it goes
£609Mortgage£472Costs
Outgoings exceed rent — you top up £442/mo
Mortgage£609
Costs£472
Management£67
Maintenance£67
Insurance£20
CapEx reserve£33
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£442
Returns
Return before costs on price5.32%
Cash return on cash-8.61%
Gross margin£168
Cash needed£61,514
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.05
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 | £7,980 | £5,659 | £7,313 | £0 | £0 | -£4,991 | -£4,991 |
| Year 2 | £8,219 | £5,829 | £7,313 | £0 | £0 | -£4,922 | -£9,913 |
| Year 3 | £8,466 | £6,004 | £7,313 | £0 | £0 | -£4,850 | -£14,764 |
| Year 4 | £8,720 | £6,184 | £7,313 | £0 | £0 | -£4,776 | -£19,540 |
| Year 5 | £8,982 | £6,369 | £7,313 | £0 | £0 | -£4,700 | -£24,240 |
Disposal gain (gross)-£9,292
CGT£0
Net Disposal proceeds£161,472
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
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
OK
Floor
EWS1 typically required above 18m
Floor 0
Lender impact
Ground floor — building almost certainly ≤ 11 m, EWS1 likely not required (RICS Mar 2021 guidance).
Mortgageable
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 cohortS66 · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Sheffield Hallam · 12.9 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 — -£442/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 | 5.32% | -£442 | £61,514 | -39.4% | Low | Feasible |
| Housing-benefit rent | 3.99% | -£611 | £61,514 | -55.6% | Med | Feasible |
| Council lease | 0.00% | -£976 | £61,514 | -97.4% | Low | Feasible |
| Refurb & refinance | 5.32% | -£442 | £73,320 | -33.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £175,070 | 2% | 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
+£595/mo cash flow vs Rent it out if converted to Rent by the room
19.20% Return before costs on price converted vs 5.32% as-is
As-is Rent it out
Monthly profit-£249
Return before costs on price5.32%
Cash needed£49,398
If converted to Rent by the room
Monthly profit+£346
Return before costs on price19.20%
Cash needed£65,398
Δ vs Rent it out Monthly profit+£595
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
£46,200
Range: £39,900 – £54,600
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,300–£89,300full refurb + room split
What's in this cost
- Kitchen£9,000–£18,000
- 1 × bathroom£6,000–£11,000
- Rewire£3,600–£6,300
- Replumb£2,700–£5,400
- Windows£9,000–£16,200
- Paint + decor£7,200–£12,600
- Flooring£10,800–£19,800
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- OutstandingStannington Infant SchoolPrimary · Academy converter · S6 6AN
- Not ratedBradfield Dungworth Primary SchoolPrimary · Academy converter · S6 6HE
- Not ratedLoxley Primary SchoolPrimary · Academy converter · S6 6SG
- Not ratedNook Lane Junior SchoolPrimary · Academy converter · S6 6BN
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
Annual gross rent£7,980
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£5,298
Exit costs
Projected sale price (5y · 2%/yr growth)£165,612
Capital gain (pre-CGT)£15,612
Sale costs (~2.5%)£4,140
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-£24,240
Rates as of Oct 2024
Acquisition costs
£61,514cash neededPurchase price£150,000
Deposit (25%)£37,500
Stamp duty+5% additional-property surcharge£8,000
Refurb£10,764
Legal + survey£2,000
Mortgage fees£3,250
Total cash neededdeposit + costs (loan covers the rest)£61,514
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
Available with no onward chain, this two-bedroom ground floor apartment is situated within a popular and well-regarded retirement development for residents aged 55 and over.
The property offers well-proportioned accommodation throughout, comprising an entrance hall, spacious lounge/dining room, fitted kitchen, two bedrooms and a shower room.
Residents benefit from a range of communal facilities, including a shared lounge, kitchen and laundry room, together with attractive c…
Floor plans
Nearby active comparables4 rentals
Comparable rentals
S66 · same beds + typeMedian nearby: £670/mo · 3 of 4 already let+£5 vs our est
- Morrison Avenue, Maltby2b£525/moMay 2026
- Wadsworth Road, Bramley, Rotherham S66Let2b£850/moJun 2025
- Princes Court, Yarwell Drive, Maltby,…Let2b£675/moJun 2025
- Maddison Court, Yarwell Drive, Maltby…Let2b£665/moJun 2025
Other deals nearby
S66 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metaonthemarket · Reeds Rains - Rotherham
About this listing
OnTheMarketPrice history
5-year price trend
Monthly profit
−£442
Cash needed
£62K
Return after costs
-8.61%
IRR
-8.83%
St. Albans Court, Wickersley, Rotherham, South Yorkshire, S66, Rotherham, S66
flat · 2 bed · 1 bath
£150,000
est £665
1 / 13
0/100
Marginal
No rent data — verify locally before offering.
5.32% Return before costs — around the area average for this property type.
Monthly profit −£442/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£150K
Return before costs
—
est rent £665/monot enough comparablesRange £525–£675/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Retirement only
Age-restricted resale; limited buyer pool
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: £525–£675/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · £37,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £112,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£442
after mortgage, operating costs & tax
Rent in£665/mo gross
£639/mo collected · £26/mo lost to voids
Where it goes
£609Mortgage£472Costs
Outgoings exceed rent — you top up £442/mo
Mortgage£609
Costs£472
Management£67
Maintenance£67
Insurance£20
CapEx reserve£33
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£442
Returns
Return before costs on price5.32%
Cash return on cash-8.61%
Gross margin£168
Cash needed£61,514
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.05
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 | £7,980 | £5,659 | £7,313 | £0 | £0 | -£4,991 | -£4,991 |
| Year 2 | £8,219 | £5,829 | £7,313 | £0 | £0 | -£4,922 | -£9,913 |
| Year 3 | £8,466 | £6,004 | £7,313 | £0 | £0 | -£4,850 | -£14,764 |
| Year 4 | £8,720 | £6,184 | £7,313 | £0 | £0 | -£4,776 | -£19,540 |
| Year 5 | £8,982 | £6,369 | £7,313 | £0 | £0 | -£4,700 | -£24,240 |
Rent by the room upside
What we verified
2307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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£1,463
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£24,240
Acquisition costs
25% deposit£37,500
Stamp duty£8,000
Refurb£10,764
Legal + survey£2,000
Mortgage + broker£3,250
Cash needed£61,514
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
Available with no onward chain, this two-bedroom ground floor apartment is situated within a popular and well-regarded retirement development for residents aged 55 and over.
The property offers well-proportioned accommodation throughout, comprising an entrance hall, spacious lounge/dining room, fitted kitchen, two bedrooms and a shower room.
Residents benefit from a range of communal facilities, including a shared lounge, kitchen and laundry room, together with attractive c…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice