11.44% Rent by the room return before costs — verify the rent + comps locally.
Why it works
11.4% Rent by the room return before costs (net 5.98% after CapEx + bills) — conversion play
Why to be cautious
Leasehold 80yr — verify at solicitor
Service charge unknown — could swing £100-300/mo
Monthly profit −£288/mo — significantly negative — real recurring drain
-4.7% 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
−£288/mo
You top up £288/mo
Price
£180K
No local sold comps to compare
Return · IRR
-4.7%/yr
Loses money over 5 years
Cash to get in
£73K
Deposit + fees + refurb
Return before costson price · Rent by the room11.44%5-yr return on cash -18%Rent est. £1,004 (£950–£1,061)
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 liveRates as of 20 May 2026
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: £950–£1,061/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£8,967–£16,738 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £135,000 loan + £1,000 booking fee
Cladding safety certificateNot stated on the listingHeritageNot 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.
Total cash neededdeposit + costs (loan covers the rest)£72,756
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
guide £190,000 to £200,000 A fantastic opportunity to purchase this well-presented three-bedroom semi-detached property, ideally located in the popular residential area of Swallownest. The home benefits from stylish flooring throughout, a modern bathroom, uPVC double glazing, gas central heating, and excellent outdoor space including a garage, driveway, and rear garden. The accommodation briefly comprises a welcoming entrance hall leading to a bright and spacious lounge, wit…
Park Street, Swallownest, Sheffield, Rotherham S26
semi-detached · 3 bed · 1 bath · 796 sqft
£180,000
est £1,004 · 6.69% gross
Leasehold 80yr
33/100
Marginal
11.44% — verify the rent + comps locally.
11.4% Rent by the roomReturn before costs — conversion play
Lease 80 yrs — extend before exit
Price
£180K
Return before costs (best)
11.44%
Rent by the room
Bedrooms
3
1 bath
Energy rating
—
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
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: £950–£1,061/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£8,967–£16,738 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £135,000 loan + £1,000 booking fee
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
£12,048
£6,260
£8,775
£0
£0
-£2,987
-£2,987
Year 2
£12,409
£6,447
£8,775
£0
£0
-£2,813
-£5,800
Year 3
£12,782
£6,641
£8,775
£0
£0
-£2,634
-£8,434
Year 4
£13,165
£6,840
£8,775
£0
£0
-£2,450
-£10,884
Year 5
£13,560
£7,045
£8,775
£0
£0
-£2,260
-£13,144
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
Conversion£30,000
If converted
Gross / mo£1,716
Gross Rent by the room yield11.44%
What we verified
12 total
4107
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureLeasehold years remaining80 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
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
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
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£1,755
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£13,144
Acquisition costs
£73K
25% deposit£45,000
Stamp duty£10,100
Refurb£11,956
Legal + survey£2,000
Mortgage + broker£3,700
Cash needed£72,756
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
guide £190,000 to £200,000 A fantastic opportunity to purchase this well-presented three-bedroom semi-detached property, ideally located in the popular residential area of Swallownest. The home benefits from stylish flooring throughout, a modern bathroom, uPVC double glazing, gas central heating, and excellent outdoor space including a garage, driveway, and rear garden. The accommodation briefly comprises a welcoming entrance hall leading to a bright and spacious lounge, wit…