4.90% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
Monthly profit −£410/mo — significantly negative — real recurring drain
-6.4% 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.
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
−£410/mo
You top up £410/mo
Price
£230K
No local sold comps to compare
Return · IRR
-6.4%/yr
Loses money over 5 years
Cash to get in
£79K
Deposit + fees + refurb
Return before costson price4.90%5-yr return on cash -26%Rent est. £939 (£861–£1,024)
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: £861–£1,024/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 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)£78,600
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary Hall and Benson are pleased to bring to market this beautifully presented, modern two-bedroom detached bungalow located in the heart of Spondon! Perfect for first-buyers or those looking to downsize, this delightful home offers stylish, low-maintenance living in a quiet cul-de-sac! Must see! Description Ideally positioned within a quiet cul-de-sac, Frazer Close offers a great opportunity for those seeking a ready-to-move home! Upon entering, your are welcomed into the…
4.90% Return before costs — around the area average for this property type.
Monthly profit −£410/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£230K
Return before costs
4.90%
est rent £939/monot enough comparablesRange £861–£1,024/mo (Q1–Q3)
Bedrooms
2
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: £861–£1,024/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 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
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
£11,268
£4,544
£11,213
£0
£0
-£4,489
-£4,489
Year 2
£11,606
£4,681
£11,213
£0
£0
-£4,287
-£8,776
Year 3
£11,954
£4,821
£11,213
£0
£0
-£4,079
-£12,855
Year 4
£12,313
£4,966
£11,213
£0
£0
-£3,865
-£16,720
Year 5
£12,682
£5,115
£11,213
£0
£0
-£3,645
-£20,365
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
3207
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 90/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,243
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£20,365
Acquisition costs
£79K
25% deposit£57,500
Stamp duty£13,600
Refurb£1,350
Legal + survey£1,700
Mortgage + broker£4,450
Cash needed£78,600
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Summary Hall and Benson are pleased to bring to market this beautifully presented, modern two-bedroom detached bungalow located in the heart of Spondon! Perfect for first-buyers or those looking to downsize, this delightful home offers stylish, low-maintenance living in a quiet cul-de-sac! Must see! Description Ideally positioned within a quiet cul-de-sac, Frazer Close offers a great opportunity for those seeking a ready-to-move home! Upon entering, your are welcomed into the…