Priced below market -13% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
Monthly profit −£449/mo — significantly negative — real recurring drain
-3.0% 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
−£449/mo
You top up £449/mo
Price vs market
Below market value
-13% vs 12 sold · interior unseen
Return · IRR
-3.0%/yr
Loses money over 5 years
Cash left in
£157K
Stays in after refinancing at value
Price £550KCash to buy £221KReturn before costson price5.35%5-yr return on cash -6%Rent est. £2,450 (£2,375–£2,527)
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: £2,375–£2,527/mo · n=65
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 (£19,890–£37,128 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)£221,170
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Nestled in a sought-after Gants Hill location, this beautifully presented three-bedroom mid-terraced house offers an exceptional opportunity for families and professionals alike. Thoughtfully extended to the rear, the property provides a spacious and flexible layout, ideal for modern living. Upon entering, you are greeted by a welcoming hallway that leads to a bright and airy living area, perfect for relaxing or entertaining guests. The contemporary kitchen is both stylish an…
Priced below market -13% vs 12 nearby sold (last 12 mo)
Price
£550K
13% below sold comps
Return before costs
5.35%
est rent £2,450/monot enough comparablesRange £2,375–£2,527/mo (Q1–Q3)
Bedrooms
3
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: £2,375–£2,527/mo · n=65
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 (£19,890–£37,128 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) context284 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
284 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer North East London · cap £1,496/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Outer North East London
LHA monthly cap:
£1,496
Scheme type:
PSL
Premium:
+500% 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
£29,400
£6,847
£26,813
£0
£0
-£4,259
-£4,259
Year 2
£30,282
£7,052
£26,813
£0
£0
-£3,583
-£7,842
Year 3
£31,190
£7,264
£26,813
£0
£0
-£2,886
-£10,728
Year 4
£32,126
£7,482
£26,813
£0
£0
-£2,168
-£12,897
Year 5
£33,090
£7,706
£26,813
£0
£0
-£1,429
-£14,326
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
Conversion£26,000
If converted
Gross / mo£2,270
Gross Rent by the room yield4.95%
What we verified
12 total
5007
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▾
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Wide · CV 18.2%Med confidence
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£5,363
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£14,326
Acquisition costs
£221K
25% deposit£137,500
Stamp duty£45,000
Refurb£26,520
Legal + survey£2,900
Mortgage + broker£9,250
Cash needed£221,170
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Nestled in a sought-after Gants Hill location, this beautifully presented three-bedroom mid-terraced house offers an exceptional opportunity for families and professionals alike. Thoughtfully extended to the rear, the property provides a spacious and flexible layout, ideal for modern living. Upon entering, you are greeted by a welcoming hallway that leads to a bright and airy living area, perfect for relaxing or entertaining guests. The contemporary kitchen is both stylish an…