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Year 5 disposal
BMV -17%
⊞ View all 9
35/ 100
Weak
10.01% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 10.01% return before costs — above-market
- Priced below market -17% vs 12 nearby sold (last 12 mo) — instant equity
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (116 yrs) — no short-lease drag
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Floor area 496 sqft — small for the type
- Monthly profit −£21/mo — mildly negative — equity build may cover
- -0.2% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£21/mo
You top up £21/mo
Price vs market
Below market value
-17% vs 12 sold · interior unseen
Return · IRR
-0.2%/yr
Loses money over 5 years
Cash left in
£36K
Stays in after refinancing at value
Price £150KCash to buy £59KReturn before costs on price 10.01%5-yr return on cash 5%Rent est. £1,251 (£1,235–£1,267)
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: £1,235–£1,267/mo · n=113
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 (£6,173–£11,522 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
-£21
after mortgage, operating costs & tax
Rent in£1,251/mo gross
£1,203/mo collected · £48/mo lost to voids
Where it goes
£609Mortgage£615Costs
Outgoings exceed rent — you top up £21/mo
Mortgage£609
Costs£615
Management£125
Maintenance£67
Insurance£20
CapEx reserve£63
Voids + council tax£8
Service charge + ground rent£228
Ltd co. accounts£104
Tax—
Shortfall−£21
Returns
Return before costs on price10.01%
Cash return on cash-0.43%
Gross margin£588
Cash needed£58,980
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.97
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £15,012 | £7,374 | £7,313 | £0 | £62 | £263 | £263 |
| Year 2 | £15,462 | £7,596 | £7,313 | £0 | £105 | £449 | £713 |
| Year 3 | £15,926 | £7,823 | £7,313 | £0 | £150 | £640 | £1,353 |
| Year 4 | £16,404 | £8,058 | £7,313 | £0 | £196 | £837 | £2,190 |
| Year 5 | £16,896 | £8,300 | £7,313 | £0 | £244 | £1,040 | £3,230 |
Disposal gain (gross)-£6,758
CGT£0
Net Disposal proceeds£161,472
What we verified
What we verified
42054 ok · 2 caution · 0 fail · 5 unknown
Legal & planning
Leasehold116 yr
Leaseholdmaterial factsListing extract
Ground rent
Doubling = lender risk
£340/yr
High ground rent — £340/year
Above the £250 assured-tenancy threshold. Risk of forfeiture proceedings on missed payments. Some lenders cap acceptable ground rent at this level.
Extracted from listing description · verify with solicitor
Tenure & planning116 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
Building condition
Energy ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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 cohortME15 6XD · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 48.2 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 · 496 sqft
£16k–£32k
£ per sqft
building cost only
£32–£65
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£3,472–£6,448
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£5,456–£10,416
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history172d on marketno cuts yet
Strategy matrix
Rent it out wins — -£21/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 | 10.01% | -£21 | £58,980 | 5.5% | Low | Feasible |
| Housing-benefit rent | 7.22% | -£364 | £58,980 | -28.0% | Med | Feasible |
| Council lease | 7.22% | -£171 | £58,980 | -14.6% | Low | Feasible |
| Refurb & refinance | 10.01% | -£21 | £69,772 | 4.6% | Med | Feasible |
| Short-stay let / Airbnb | 12.57% | -£132 | £58,980 | -10.1% | High | Feasible |
| Buy, improve & sell | 0.00% | -£419 | £171,522 | 4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Maidstone · cap £903/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Maidstone
- LHA monthly cap:
- £903
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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
Local lettings demandby strategyLive area data
Short-stay let36% occupancy
£145/night ADR
Based on 6 short-let comps nearby
Rent by the room conversion upside
+£162/mo cash flow vs Rent it out if converted to Rent by the room
19.20% Return before costs on price converted vs 10.01% as-is
As-is Rent it out
Monthly profit+£183
Return before costs on price10.01%
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+£162
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
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£38,474–£69,871full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£2,480–£3,968
- Replumb£1,984–£3,472
- Windows£5,456–£9,424
- Paint + decor£4,960–£8,432
- Flooring£6,944–£12,400
Comparables
sold within 0.5 miWide · CV 26.6%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodArchbishop Courtenay Primary SchoolPrimary · Academy sponsor led · ME15 6QN
- Not ratedSouth Borough Primary SchoolPrimary · Academy converter · ME15 6TL
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£15,012
Section 24 credit£0
Annual tax due£62
Post-tax Monthly profit annual-£314
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£3,230
Rates as of Oct 2024
Acquisition costs
£58,980cash neededPurchase price£150,000
Deposit (25%)£37,500
Stamp duty+5% additional-property surcharge£8,000
Refurb£8,230
Legal + survey£2,000
Mortgage fees£3,250
Total cash neededdeposit + costs (loan covers the rest)£58,980
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Price guide : £165,000 - £175,000. A most sought after and beautifully presented two bedroom third floor apartment situated in A central position in maidstone. Ideal first time purchase or buy to let investment.
The apartment offers excellent open plan living space and features a spacious lounge incorporating a kitchen area, two good size bedrooms and a modern bathroom. There is the added benefit of allocated parking facilities and no forward chain implications. Internal vie…
Floor plans
Nearby active comparables20 rentals · 5 deals
Comparable rentals
ME15 · same beds + typeMedian nearby: £1,250/mo · 13 of 20 already let-£1 vs our est
- The FarrowsLet2b£1,300/moMay 2026
- The Farrows, Maidstone, ME15Let2b£1,300/moMay 2026
- Upper Stone Street Maidstone ME152b£1,300/moMay 2026
- Gabriels Hill, Maidstone, ME15Let2b£1,300/moMay 2026
- Highland Road, Maidstone, Kent, ME152b£1,200/moMay 2026
- Loose Road Maidstone ME15Let2b£1,250/moMay 2026
- College Road , Maidstone2b£1,100/moMay 2026
- Gabriels Hill, Maidstone, ME15Let2b£1,250/moMay 2026
- Cornhill Place, Maidstone, ME152b£1,250/moMay 2026
- Kent House2b£1,150/moMay 2026
- Lower Stone Street, Maidstone, ME15Let2b£1,200/moMay 2026
- Lower Stone Street, Maidstone, ME152b£1,150/moMay 2026
- Stagshaw Close, Maidstone, ME152b£1,200/moMay 2026
- Loose Road, Loose, Maidstone ME15Let2b£1,250/moMay 2026
- Willington Street, Maidstone ME15Let2b£1,100/moMay 2026
- Romney Place, Maidstone ME15Let2b£1,200/moMay 2026
- Loose Road, Loose, Maidstone ME15Let2b£1,250/moMay 2026
- Cornhill Place, Maidstone ME15Let2b£1,250/moMay 2026
- College Road, Maidstone ME15Let2b£1,100/moMay 2026
- River Bank Close, Maidstone, Kent ME15Let2b£1,300/moDec 2025
Listing metazoopla · Page & Wells
About this listing
172 days · ZooplaPrice history
5-year price trend
Monthly profit
−£21
Cash needed
£59K
Return after costs
-0.43%
IRR
-0.18%
Listed 172d ago
Knightrider Court, Knightrider Street, Maidstone ME15
flat · 2 bed · 1 bath · 496 sqft
£150,000
est £1,251 · 10.01% gross
Leasehold 116yrEPC D
Priced below market
1 / 9
35/100
Marginal
10.01% — verify the rent + comps locally.
Priced below market -17% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.01% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£150K
17% below sold comps
Return before costs
10.01%
est rent £1,251/mo113 comps within 1 kmRange £1,235–£1,267/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £1,235–£1,267/mo · n=113
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 (£6,173–£11,522 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
-£21
after mortgage, operating costs & tax
Rent in£1,251/mo gross
£1,203/mo collected · £48/mo lost to voids
Where it goes
£609Mortgage£615Costs
Outgoings exceed rent — you top up £21/mo
Mortgage£609
Costs£615
Management£125
Maintenance£67
Insurance£20
CapEx reserve£63
Voids + council tax£8
Service charge + ground rent£228
Ltd co. accounts£104
Tax—
Shortfall−£21
Returns
Return before costs on price10.01%
Cash return on cash-0.43%
Gross margin£588
Cash needed£58,980
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.97
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Maidstone · cap £903/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Maidstone
- LHA monthly cap:
- £903
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 | £15,012 | £7,374 | £7,313 | £0 | £62 | £263 | £263 |
| Year 2 | £15,462 | £7,596 | £7,313 | £0 | £105 | £449 | £713 |
| Year 3 | £15,926 | £7,823 | £7,313 | £0 | £150 | £640 | £1,353 |
| Year 4 | £16,404 | £8,058 | £7,313 | £0 | £196 | £837 | £2,190 |
| Year 5 | £16,896 | £8,300 | £7,313 | £0 | £244 | £1,040 | £3,230 |
Rent by the room upside
What we verified
5306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining116 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£3,000–£7,000 to upgrade to CD
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Service chargeReduces net yield£2,395/yr
Ground rentDoubling clauses kill mortgageability£340/yr
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 miWide · CV 26.6%Med confidence
Loading 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£3,230
Acquisition costs
25% deposit£37,500
Stamp duty£8,000
Refurb£8,230
Legal + survey£2,000
Mortgage + broker£3,250
Cash needed£58,980
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 copyZoopla
Price guide : £165,000 - £175,000. A most sought after and beautifully presented two bedroom third floor apartment situated in A central position in maidstone. Ideal first time purchase or buy to let investment.
The apartment offers excellent open plan living space and features a spacious lounge incorporating a kitchen area, two good size bedrooms and a modern bathroom. There is the added benefit of allocated parking facilities and no forward chain implications. Internal vie…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice