13.69% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
Monthly profit +£255/mo from completion — the no.1 reason to invest
9.04% return before costs — above-market
13.7% Rent by the room return before costs (net 7.18% after CapEx + bills) — conversion play
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£255/mo
Pays you every month, net of costs
Price
£245K
No local sold comps to compare
Return · IRR
3.6%/yr
Modest annualised return
Cash to get in
£100K
Deposit + fees + refurb
Return before costson price · Rent by the room13.69%5-yr return on cash 23%Rent est. £1,846 (£1,462–£2,331)
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: £1,462–£2,331/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £61,250
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 (£13,578–£25,346 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £183,750 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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)£100,379
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Full Description 5 Bedroom Terraced Property for Sale in Derby We are delighted to present this beautiful, five-bedroom terraced house located in the heart of Derby, at 18 Howe Street, DE22 3ER. This exceptional property boasts an impressive layout, offering ample living space, and a range of modern amenities, making it the perfect home for families, professionals, or investors. Upon entering the property, you will be greeted by an entrance hall, which leads to a bright and a…
13.69%Rent by the room strategy — market rent unverified, verify locally.
Monthly profit+£255/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.04% Return before costs — above-market
13.7% Rent by the roomReturn before costs — conversion play
Price
£245K
Return before costs (best)
13.69%
Rent by the room
Bedrooms
5
3 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: £1,462–£2,331/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £61,250
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 (£13,578–£25,346 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £183,750 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Housing-benefit (LHA) scheme detailBRMA Derby · cap £932/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Derby
LHA monthly cap:
£932
Scheme type:
PSL
Premium:
+800% 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
£22,152
£5,577
£11,944
£0
£880
£3,751
£3,751
Year 2
£22,817
£5,744
£11,944
£0
£974
£4,155
£7,906
Year 3
£23,501
£5,916
£11,944
£0
£1,072
£4,569
£12,475
Year 4
£24,206
£6,094
£11,944
£0
£1,172
£4,996
£17,471
Year 5
£24,932
£6,277
£11,944
£0
£1,275
£5,437
£22,908
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 bd
Conversion£42,000
If converted
Gross / mo£2,796
Gross Rent by the room yield13.69%
What we verified
12 total
5007
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
TenureTenure typeFreehold
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 heuristicRent by the room / sharers
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£2,389
Annual rental tax£718
CGT yr 5£0 · company level
5y net total£22,908
Acquisition costs
£100K
25% deposit£61,250
Stamp duty£14,650
Refurb£18,104
Legal + survey£1,700
Mortgage + broker£4,675
Cash needed£100,379
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Full Description 5 Bedroom Terraced Property for Sale in Derby We are delighted to present this beautiful, five-bedroom terraced house located in the heart of Derby, at 18 Howe Street, DE22 3ER. This exceptional property boasts an impressive layout, offering ample living space, and a range of modern amenities, making it the perfect home for families, professionals, or investors. Upon entering the property, you will be greeted by an entrance hall, which leads to a bright and a…