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Year 5 disposal
⊞ View all 11
14/ 100
Weak
6.38% return before costs — verify the rent + comps locally.
Why it works
- Long lease (977 yrs) — no short-lease drag
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£335/mo — significantly negative — real recurring drain
- -8.0% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£335/mo
You top up £335/mo
Price vs market
Above comparable sales
+15% vs 12 sold
Return · IRR
-8.0%/yr
Loses money over 5 years
Cash to get in
£52K
Deposit + fees + refurb
Price £150KReturn before costs on price 6.38%5-yr return on cash -33%Rent est. £798 (£783–£813)
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: £783–£813/mo · n=30
Financing
DepositYour cash in — the rest is the mortgage25% · £37,500
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 (£1,125–£2,100 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £112,500 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
-£335
after mortgage, operating costs & tax
Rent in£798/mo gross
£767/mo collected · £31/mo lost to voids
Where it goes
£609Mortgage£493Costs
Outgoings exceed rent — you top up £335/mo
Mortgage£609
Costs£493
Management£80
Maintenance£67
Insurance£20
CapEx reserve£40
Voids + council tax£8
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£335
Returns
Return before costs on price6.38%
Cash return on cash-7.70%
Gross margin£274
Cash needed£52,250
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.26
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 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 | £9,576 | £5,921 | £7,313 | £0 | £0 | -£3,657 | -£3,657 |
| Year 2 | £9,863 | £6,099 | £7,313 | £0 | £0 | -£3,548 | -£7,205 |
| Year 3 | £10,159 | £6,281 | £7,313 | £0 | £0 | -£3,435 | -£10,640 |
| Year 4 | £10,464 | £6,470 | £7,313 | £0 | £0 | -£3,318 | -£13,958 |
| Year 5 | £10,778 | £6,664 | £7,313 | £0 | £0 | -£3,199 | -£17,157 |
Disposal gain (gross)-£28
CGT£0
Net Disposal proceeds£161,472
What we verified
What we verified
42054 ok · 2 caution · 0 fail · 5 unknown
Legal & planning
Leasehold977 yr
Tenure & planning977 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
Building condition
Energy ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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
OK
Floor
EWS1 typically required above 18m
Floor 0
Lender impact
Ground floor — building almost certainly ≤ 11 m, EWS1 likely not required (RICS Mar 2021 guidance).
Mortgageable
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 cohortHD3 3HL · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Leeds · 24.5 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 · 2-bath · 904 sqft
£27k–£53k
£ per sqft
building cost only
£30–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£6,328–£11,752
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£9,944–£18,984
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history170d on marketno cuts yet
Strategy matrix
Council lease wins — -£297/mo · £38/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 | 6.38% | -£335 | £52,250 | -32.8% | Low | Feasible |
| Housing-benefit rent | 4.19% | -£596 | £52,250 | -63.4% | Med | Feasible |
| ⭐ Council lease | 6.38% | -£297 | £52,250 | -31.9% | Low | Feasible |
| Refurb & refinance | 6.38% | -£335 | £60,350 | -28.4% | Med | Feasible |
| Short-stay let / Airbnb | 6.40% | -£541 | £52,250 | -61.4% | High | Feasible |
| Buy, improve & sell | 0.00% | -£366 | £162,100 | 9% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Kirklees · cap £524/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Kirklees
- LHA monthly cap:
- £524
- Scheme type:
- none
- Premium:
- +900% 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
Local lettings demandby strategyLive area data
Short-stay let7% occupancy
£371/night ADR
Based on 3 short-let comps nearby
Rent by the room conversion upside
+£487/mo cash flow vs Rent it out if converted to Rent by the room
19.20% Return before costs on price converted vs 6.38% as-is
As-is Rent it out
Monthly profit-£141
Return before costs on price6.38%
Cash needed£49,398
If converted to Rent by the room
Monthly profit+£346
Return before costs on price19.20%
Cash needed£65,398
Δ vs Rent it out Monthly profit+£487
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
£42,000
Range: £35,700 – £50,400
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,726–£90,000full refurb + room split
⚠️ Capped at 60% of £150,000 asking (£90,000). Raw model: £54,448–£100,568. Verify with a surveyor before offering.
What's in this cost
- Kitchen£8,054–£16,109
- 2 × bathroom£10,739–£19,688
- Rewire£3,236–£5,663
- Replumb£2,427–£4,854
- Windows£8,090–£14,562
- Paint + decor£6,472–£11,326
- Flooring£9,708–£17,798
Comparables
sold within 0.5 miWide · CV 44.8%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
- GoodLindley Church of England Infant SchoolPrimary · Academy converter · HD3 3NE
- GoodLindley Junior SchoolPrimary · Academy converter · HD3 3LY
- Not ratedMoorlands Primary SchoolPrimary · Academy converter · HD3 3UH
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£9,576
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£4,026
Exit costs
Projected sale price (5y · 2%/yr growth)£165,612
Capital gain (pre-CGT)£15,612
Sale costs (~2.5%)£4,140
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-£17,157
Rates as of Oct 2024
Acquisition costs
£52,250cash neededPurchase price£150,000
Deposit (25%)£37,500
Stamp duty+5% additional-property surcharge£8,000
Refurb£1,500
Legal + survey£2,000
Mortgage fees£3,250
Total cash neededdeposit + costs (loan covers the rest)£52,250
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary A fabulous penthouse apartment in highly sought-after Lindley with a mezzanine master bedroom, two bathrooms, an on-site concierge and gym, in a gated community within walking distance of shops, the hospital, public transport and the M62 networks. Chain free and offering high rental yields.
Description Available with no onward chain and offering attractive rental yields, this penthouse apartment has modern luxuries, two bathrooms, a mezzanine master bedroom, off-road…
Floor plans
Listing metazoopla · William H Brown - Huddersfield
About this listing
170 days · ZooplaPrice history
5-year price trend
Monthly profit
−£335
Cash needed
£52K
Return after costs
-7.70%
IRR
-8.04%
Listed 170d ago
Equilibrium, Lindley, Huddersfield HD3
flat · 2 bed · 2 bath · 904 sqft
£150,000
est £798 · 6.38% gross
Chain freeLeasehold 977yrEPC D
1 / 11
14/100
Marginal
6.38% — verify the rent + comps locally.
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Chain free
Price
£150K
15% above sold comps
Return before costs
6.38%
est rent £798/monot enough comparablesRange £783–£813/mo (Q1–Q3)
Bedrooms
2
2 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £783–£813/mo · n=30
Financing
DepositYour cash in — the rest is the mortgage25% · £37,500
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 (£1,125–£2,100 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £112,500 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
-£335
after mortgage, operating costs & tax
Rent in£798/mo gross
£767/mo collected · £31/mo lost to voids
Where it goes
£609Mortgage£493Costs
Outgoings exceed rent — you top up £335/mo
Mortgage£609
Costs£493
Management£80
Maintenance£67
Insurance£20
CapEx reserve£40
Voids + council tax£8
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£335
Returns
Return before costs on price6.38%
Cash return on cash-7.70%
Gross margin£274
Cash needed£52,250
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.26
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Kirklees · cap £524/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Kirklees
- LHA monthly cap:
- £524
- Scheme type:
- none
- Premium:
- +900% 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 | £9,576 | £5,921 | £7,313 | £0 | £0 | -£3,657 | -£3,657 |
| Year 2 | £9,863 | £6,099 | £7,313 | £0 | £0 | -£3,548 | -£7,205 |
| Year 3 | £10,159 | £6,281 | £7,313 | £0 | £0 | -£3,435 | -£10,640 |
| Year 4 | £10,464 | £6,470 | £7,313 | £0 | £0 | -£3,318 | -£13,958 |
| Year 5 | £10,778 | £6,664 | £7,313 | £0 | £0 | -£3,199 | -£17,157 |
Rent by the room upside
What we verified
3306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining977 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£3,000–£7,000 to upgrade to CD
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 miWide · CV 44.8%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,463
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£17,157
Acquisition costs
25% deposit£37,500
Stamp duty£8,000
Refurb£1,500
Legal + survey£2,000
Mortgage + broker£3,250
Cash needed£52,250
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
Summary A fabulous penthouse apartment in highly sought-after Lindley with a mezzanine master bedroom, two bathrooms, an on-site concierge and gym, in a gated community within walking distance of shops, the hospital, public transport and the M62 networks. Chain free and offering high rental yields.
Description Available with no onward chain and offering attractive rental yields, this penthouse apartment has modern luxuries, two bathrooms, a mezzanine master bedroom, off-road…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice