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Year 5 disposal
⊞ View all 13
10/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Monthly profit +£421/mo from completion — the no.1 reason to invest
- 11.7% 5y IRR — strong total return on capital
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (999 yrs) — no short-lease drag
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
+£421/mo
Pays you every month, net of costs
Price
£94K
No local sold comps to compare
Return · IRR
11.7%/yr
Solid annualised return
Cash to get in
£46K
Deposit + fees + refurb
5-yr return on cash 67%Rent est. £1,595 (£1,400–£1,595)
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
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: £1,400–£1,595/mo · n=3
Financing
DepositYour cash in — the rest is the mortgage25% · £23,438
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£10,283–£19,195 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £70,312.5 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
+£421
after mortgage, operating costs & tax
Rent in£1,595/mo gross
£1,534/mo collected · £61/mo lost to voids
Where it goes
£366Mortgage£647Costs£421Your profit
£421/mo left as profit · 27% of rent kept
Mortgage£366
Costs£647
Management£160
Maintenance£67
Insurance£20
CapEx reserve£80
Voids + council tax£5
Service charge + ground rent£212
Ltd co. accounts£104
Tax£99
Profit+£421
Returns
Return before costs on price20.42%
Cash return on cash10.93%
Gross margin£886
Cash needed£46,243
Monthly profit payback9y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress4.03
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 | £19,140 | £7,768 | £4,395 | £0 | £1,326 | £5,652 | £5,652 |
| Year 2 | £19,714 | £8,001 | £4,395 | £0 | £1,391 | £5,928 | £11,580 |
| Year 3 | £20,306 | £8,241 | £4,395 | £0 | £1,457 | £6,214 | £17,794 |
| Year 4 | £20,915 | £8,488 | £4,395 | £0 | £1,526 | £6,507 | £24,300 |
| Year 5 | £21,542 | £8,742 | £4,395 | £0 | £1,597 | £6,808 | £31,108 |
Disposal gain (gross)-£13,229
CGT£0
Net Disposal proceeds£100,920
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
Leasehold999 yr
Tenure & planning999 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
Building condition
Energy ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
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 cohortHA0 3TQ · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 12.9 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
1-bed · 1-bath · 543 sqft · London ×1.4
£22k–£43k
£ per sqft
building cost only
£40–£79
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£5,430–£9,774
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£7,602–£14,118
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history86d on marketno cuts yet
Strategy matrix
Rent it out wins — +£421/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 | 20.42% | +£421 | £46,243 | 67.3% | Low | Feasible |
| Housing-benefit rent | 15.31% | +£98 | £46,243 | 26.2% | Med | Feasible |
| Council lease | 0.00% | -£769 | £46,243 | -103.1% | Low | Feasible |
| Refurb & refinance | 20.42% | +£421 | £56,414 | 55.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£403 | £119,633 | -6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
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
Rent by the room conversion upside
-£64/mo cash flow vs Rent it out if converted to Rent by the room
30.72% Return before costs on price converted vs 20.42% as-is
As-is Rent it out
Monthly profit+£587
Return before costs on price20.42%
Cash needed£35,336
If converted to Rent by the room
Monthly profit+£524
Return before costs on price30.72%
Cash needed£51,336
Δ vs Rent it out Monthly profit-£64
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- OutstandingEast Lane Primary SchoolPrimary · Academy converter · HA0 3NT
- OutstandingWembley High Technology CollegeSecondary · Academy converter · HA0 3NT
- InadequateHarris Primary Academy South KentonPrimary · Academy sponsor led · HA0 3SF
- Not ratedSudbury Primary SchoolPrimary · Academy converter · HA0 3EY
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£19,140
Section 24 credit£0
Annual tax due£1,326
Post-tax Monthly profit annual£4,916
Exit costs
Projected sale price (5y · 2%/yr growth)£103,508
Capital gain (pre-CGT)£9,758
Sale costs (~2.5%)£2,588
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£31,108
Rates as of Oct 2024
Acquisition costs
£46,243cash neededPurchase price£93,750
Deposit (25%)£23,438
Stamp duty+5% additional-property surcharge£4,688
Refurb£13,711
Legal + survey£2,000
Mortgage fees£2,406
Total cash neededdeposit + costs (loan covers the rest)£46,243
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Northwick Parkside is proving to be popular with our local community - register your interest today! Located in Harrow, in the borough of Brent. Northwick Parkside offers a perfect blend of city and suburban life, with its fantastic transport links to central London, excellent schools, rich cultural scene, green spaces and welcoming community. Working in partnership with Countryside Homes, when fully complete, a range of 1,2 & 3 bedroom apartments will be available with Share…
Floor plans
Nearby active comparables3 rentals
Comparable rentals
HA0 · same beds + typeMedian nearby: £1,595/mo · 3 of 3 already let+£0 vs our est
- Williams Way, Wembley, HA0Let1b£1,900/moMay 2026
- Williams Way, Wembley, HA0Let1b£1,595/moMay 2026
- Bridgewater Road, Wembley, HA0Let1b£1,400/moMay 2026
Other deals nearby
HA0 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Sovereign Network Group - Northwick Parkside
About this listing
86 days · ZooplaPrice history
5-year price trend
Monthly profit
+£421
Cash needed
£46K
Return after costs
10.93%
IRR
11.68%
Listed 86d ago
The Fairway, Harrow HA0
flat · 1 bed · 1 bath · 543 sqft
£93,750
est £1,595
Leasehold 999yr
1 / 13
10/100
Marginal
No rent data — verify locally before offering.
Monthly profit +£421/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
£94K
Return before costs
—
est rent £1,595/monot enough comparablesRange £1,400–£1,595/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Shared ownership
Restricted resale; staircasing required
Run the numbers
What-if calculator
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: £1,400–£1,595/mo · n=3
Financing
DepositYour cash in — the rest is the mortgage25% · £23,438
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£10,283–£19,195 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £70,312.5 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
+£421
after mortgage, operating costs & tax
Rent in£1,595/mo gross
£1,534/mo collected · £61/mo lost to voids
Where it goes
£366Mortgage£647Costs£421Your profit
£421/mo left as profit · 27% of rent kept
Mortgage£366
Costs£647
Management£160
Maintenance£67
Insurance£20
CapEx reserve£80
Voids + council tax£5
Service charge + ground rent£212
Ltd co. accounts£104
Tax£99
Profit+£421
Returns
Return before costs on price20.42%
Cash return on cash10.93%
Gross margin£886
Cash needed£46,243
Monthly profit payback9y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress4.03
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 | £19,140 | £7,768 | £4,395 | £0 | £1,326 | £5,652 | £5,652 |
| Year 2 | £19,714 | £8,001 | £4,395 | £0 | £1,391 | £5,928 | £11,580 |
| Year 3 | £20,306 | £8,241 | £4,395 | £0 | £1,457 | £6,214 | £17,794 |
| Year 4 | £20,915 | £8,488 | £4,395 | £0 | £1,526 | £6,507 | £24,300 |
| Year 5 | £21,542 | £8,742 | £4,395 | £0 | £1,597 | £6,808 | £31,108 |
Rent by the room upside
What we verified
4207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining999 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
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
Service chargeReduces net yield£2,241/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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£879
Annual rental tax£1,186
CGT yr 5£0 · company level
5y net total£31,108
Acquisition costs
25% deposit£23,438
Stamp duty£4,688
Refurb£13,711
Legal + survey£2,000
Mortgage + broker£2,406
Cash needed£46,243
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
Northwick Parkside is proving to be popular with our local community - register your interest today! Located in Harrow, in the borough of Brent. Northwick Parkside offers a perfect blend of city and suburban life, with its fantastic transport links to central London, excellent schools, rich cultural scene, green spaces and welcoming community. Working in partnership with Countryside Homes, when fully complete, a range of 1,2 & 3 bedroom apartments will be available with Share…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice