-4.3% 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
−£619/mo
You top up £619/mo
Price
£550K
No local sold comps to compare
Return · IRR
-4.3%/yr
Loses money over 5 years
Cash to get in
£213K
Deposit + fees + refurb
Return before costson price5.02%5-yr return on cash -12%Rent est. £2,302 (£2,242–£2,364)
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: £2,242–£2,364/mo · n=28
Financing
DepositYour cash in — the rest is the mortgage25% · £137,500
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 (£13,681–£25,537 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £412,500 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)£212,891
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
An Exceptional Four-Bedroom Detached Home in the Sought-After Sandford on Thames. This beautifully presented four-bedroom detached family home is located in the highly desirable area of Sandford on Thames. Offering spacious living accommodation and modern conveniences throughout. The heart of the home is the newly fitted, contemporary kitchen/breakfast room with integrated appliances. A separate dining room provides an ideal setting for more formal occasions, while the all-im…
Energy rating G — Min. energy standard blocker by 2030 (~£15,000–£30,000 upgrade)
Chain free
Price
£550K
Return before costs
5.02%
est rent £2,302/monot enough comparablesRange £2,242–£2,364/mo (Q1–Q3)
Bedrooms
4
2 bath
Energy rating
G
MEES (Minimum Energy Efficiency Standards) blocker by 2030 ~£15,000–£30,000 upgrade
Deal flags1 issue
EPC G — MEES blocker
Cannot be let on a new tenancy without upgrade to E (current) / C (2030)
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: £2,242–£2,364/mo · n=28
Financing
DepositYour cash in — the rest is the mortgage25% · £137,500
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 (£13,681–£25,537 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £412,500 loan + £1,000 booking fee
Short-let (SA) context341 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
341 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,745/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Oxford
LHA monthly cap:
£1,745
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
£27,624
£7,181
£26,813
£0
£0
-£6,369
-£6,369
Year 2
£28,453
£7,396
£26,813
£0
£0
-£5,756
-£12,125
Year 3
£29,306
£7,618
£26,813
£0
£0
-£5,124
-£17,249
Year 4
£30,185
£7,846
£26,813
£0
£0
-£4,473
-£21,722
Year 5
£31,091
£8,082
£26,813
£0
£0
-£3,803
-£25,526
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
Conversion£34,000
If converted
Gross / mo£3,079
Gross Rent by the room yield—
What we verified
12 total
5016
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPC~£15,000–£30,000 to upgrade to CG
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£5,363
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£25,526
Acquisition costs
£213K
25% deposit£137,500
Stamp duty£45,000
Refurb£18,241
Legal + survey£2,900
Mortgage + broker£9,250
Cash needed£212,891
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
An Exceptional Four-Bedroom Detached Home in the Sought-After Sandford on Thames. This beautifully presented four-bedroom detached family home is located in the highly desirable area of Sandford on Thames. Offering spacious living accommodation and modern conveniences throughout. The heart of the home is the newly fitted, contemporary kitchen/breakfast room with integrated appliances. A separate dining room provides an ideal setting for more formal occasions, while the all-im…