Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 20
100/ 100
Strong
Strong investment fundamentals.
Why it works
- 9.38% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- EPC C — MEES compliant
Why to be cautious
- 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
+£54/mo
Barely breaks even each month
Price
£108K
No local sold comps to compare
Return · IRR
0.5%/yr
Modest annualised return
Cash to get in
£53K
Deposit + fees + refurb
Return before costs on price · Guaranteed council rent 10.37%5-yr return on cash 12%Rent est. £844 (£768–£928)
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
Rates as of 20 May 2026Buy-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: £768–£928/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · £27,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£9,746–£18,193 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £81,000 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£54
after mortgage, operating costs & tax
Rent in£844/mo gross
£812/mo collected · £32/mo lost to voids
Where it goes
£439Mortgage£306Costs
£54/mo left as profit · 7% of rent kept
Mortgage£439
Costs£306
Management£84
Maintenance£50
Insurance£20
CapEx reserve£42
Voids + council tax£5
Ltd co. accounts£104
Tax£13
Profit+£54
Returns
Return before costs on price9.38%
Cash return on cash1.23%
Gross margin£506
Cash needed£52,955
Monthly profit payback81y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.85
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 | £10,128 | £3,668 | £5,265 | £0 | £227 | £968 | £968 |
| Year 2 | £10,432 | £3,778 | £5,265 | £0 | £264 | £1,125 | £2,093 |
| Year 3 | £10,745 | £3,891 | £5,265 | £0 | £302 | £1,287 | £3,380 |
| Year 4 | £11,067 | £4,008 | £5,265 | £0 | £341 | £1,453 | £4,833 |
| Year 5 | £11,399 | £4,128 | £5,265 | £0 | £381 | £1,625 | £6,459 |
Disposal gain (gross)-£15,075
CGT£0
Net Disposal proceeds£116,260
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
Building condition
Energy ratingC
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand C
MEES 2030 compliance
C required for new tenancies
PASS
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
HeritageNot stated on the listing
Heritage& planning constraintsHES 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
Scotland uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortAB15 8EL · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Aberdeen · 5 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
2-bed · 1-bath · 775 sqft
£21k–£42k
£ per sqft
building cost only
£27–£54
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,425–£10,075
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,525–£16,275
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history237d on marketno cuts yet
Strategy matrix
Council lease wins — +£85/mo · £30/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 9.38% | +£54 | £52,955 | 12.2% | Low | Feasible |
| Housing-benefit rent | 7.20% | -£135 | £52,955 | -7.1% | Med | Feasible |
| ⭐ Council lease | 9.38% | +£85 | £52,955 | 12.7% | Low | Feasible |
| Refurb & refinance | 9.38% | +£54 | £63,553 | 10.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £136,533 | -4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £648/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Aberdeen and Shire
- LHA monthly cap:
- £648
- Scheme type:
- none
- Premium:
- +700% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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
+£430/mo cash flow vs Rent it out if converted to Rent by the room
26.67% Return before costs on price converted vs 9.38% as-is
As-is Rent it out
Monthly profit+£49
Return before costs on price9.38%
Cash needed£38,898
If converted to Rent by the room
Monthly profit+£479
Return before costs on price26.67%
Cash needed£54,898
Δ vs Rent it out Monthly profit+£430
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£34,402–£64,800full refurb + room split
⚠️ Capped at 60% of £108,000 asking (£64,800). Raw model: £41,465–£78,105. Verify with a surveyor before offering.
What's in this cost
- Kitchen£7,168–£14,336
- 1 × bathroom£4,729–£8,670
- Rewire£2,572–£4,501
- Replumb£1,929–£3,858
- Windows£6,430–£11,574
- Paint + decor£4,501–£8,359
- Flooring£7,073–£13,503
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£10,128
Section 24 credit£0
Annual tax due£227
Post-tax Monthly profit annual£579
Exit costs
Projected sale price (5y · 2%/yr growth)£119,241
Capital gain (pre-CGT)£11,241
Sale costs (~2.5%)£2,981
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£6,459
Rates as of Oct 2024
Acquisition costs
£52,955cash neededPurchase price£108,000
Deposit (25%)£27,000
Stamp duty+8% Additional Dwelling Supplement (ADS)£8,640
Refurb£12,995
Legal + survey£1,700
Mortgage fees£2,620
Total cash neededdeposit + costs (loan covers the rest)£52,955
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Must – See Mortimer Drive is an attractive two-bedroom mid-terraced property, ideally positioned within a popular and well-established residential area of Aberdeen. This well-proportioned home offers comfortable accommodation across two levels, making it an excellent opportunity for all buyers. Must – See Mortimer Drive is an attractive two-bedroom mid-terraced property, ideally positioned within a popular and well-established residential area of Aberdeen. This well-proportio…
Floor plans
Nearby active comparables5 rentals
Comparable rentals
AB15 · same beds + typeMedian nearby: £900/mo · 4 of 5 already let+£56 vs our est
- Bellfield View, Kingswells, Aberdeen,…Let2b£900/moMay 2026
- Bellfield View, AB15Let2b£800/moMay 2026
- Bellfield View, Kingswells, Aberdeen,…Let2b£900/moMay 2026
- Bellfield View, AB152b£800/moMay 2026
- Queen's Lane South, City Centre, Aber…Let2b£1,350/moMay 2026
Other deals nearby
AB15 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Martin & Co Aberdeen
About this listing
237 days · ZooplaPrice history
5-year price trend
Monthly profit
+£54
Cash needed
£53K
Return after costs
1.23%
IRR
0.48%
Listed 237d ago
Mortimer Drive, Hazelhead, Aberdeen AB15
terraced · 2 bed · 1 bath · 775 sqft
£108,000
est £844 · 9.38% gross
EPC C
1 / 18
100/100
Strong
Real 10.37% — fundamentals work.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.38% Return before costs — above-market
Price
£108K
Return before costs (best)
10.37%
Council
Bedrooms
2
1 bath
Energy rating
C
Energy rating
Run the numbers
What-if calculator
Rates as of 20 May 2026Buy-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: £768–£928/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · £27,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
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 (£9,746–£18,193 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £81,000 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£54
after mortgage, operating costs & tax
Rent in£844/mo gross
£812/mo collected · £32/mo lost to voids
Where it goes
£439Mortgage£306Costs
£54/mo left as profit · 7% of rent kept
Mortgage£439
Costs£306
Management£84
Maintenance£50
Insurance£20
CapEx reserve£42
Voids + council tax£5
Ltd co. accounts£104
Tax£13
Profit+£54
Returns
Return before costs on price9.38%
Cash return on cash1.23%
Gross margin£506
Cash needed£52,955
Monthly profit payback81y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.85
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £648/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Aberdeen and Shire
- LHA monthly cap:
- £648
- Scheme type:
- none
- Premium:
- +700% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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 | £10,128 | £3,668 | £5,265 | £0 | £227 | £968 | £968 |
| Year 2 | £10,432 | £3,778 | £5,265 | £0 | £264 | £1,125 | £2,093 |
| Year 3 | £10,745 | £3,891 | £5,265 | £0 | £302 | £1,287 | £3,380 |
| Year 4 | £11,067 | £4,008 | £5,265 | £0 | £341 | £1,453 | £4,833 |
| Year 5 | £11,399 | £4,128 | £5,265 | £0 | £381 | £1,625 | £6,459 |
Rent by the room upside
What we verified
4206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingC
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
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£1,053
Annual rental tax£153
CGT yr 5£0 · company level
5y net total£6,459
Acquisition costs
25% deposit£27,000
Stamp duty£8,640
Refurb£12,995
Legal + survey£1,700
Mortgage + broker£2,620
Cash needed£52,955
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
Must – See Mortimer Drive is an attractive two-bedroom mid-terraced property, ideally positioned within a popular and well-established residential area of Aberdeen. This well-proportioned home offers comfortable accommodation across two levels, making it an excellent opportunity for all buyers. Must – See Mortimer Drive is an attractive two-bedroom mid-terraced property, ideally positioned within a popular and well-established residential area of Aberdeen. This well-proportio…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice