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Year 5 disposal
BMV -13%
⊞ View all 20
55/ 100
Caution
Real 8.74% return before costs but flagged risks need pricing in.
Why it works
- Monthly profit +£233/mo from completion — the no.1 reason to invest
- 8.74% return before costs — above-market
- Priced below market -13% vs 12 nearby sold (last 12 mo) — instant equity
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Service charge unknown — could swing £100-300/mo
- 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
+£233/mo
Pays you every month, net of costs
Price vs market
Below market value
-13% vs 12 sold · interior unseen
Return · IRR
1.8%/yr
Modest annualised return
Cash left in
£103K
Stays in after refinancing at value
Price £375KCash to buy £146KReturn before costs on price 8.74%5-yr return on cash 17%Rent est. £2,730 (£2,321–£3,211)
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: £2,321–£3,211/mo · n=54
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£11,588–£21,630 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £281,250 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£233
after mortgage, operating costs & tax
Rent in£2,730/mo gross
£2,625/mo collected · £105/mo lost to voids
Where it goes
£1,523Mortgage£814Costs
£233/mo left as profit · 9% of rent kept
Mortgage£1,523
Costs£814
Management£273
Maintenance£67
Insurance£28
CapEx reserve£137
Voids + council tax£3
Service charge + ground rent£175
Ltd co. accounts£104
Selective licensing£27
Tax£55
Profit+£233
Returns
Return before costs on price8.74%
Cash return on cash1.92%
Gross margin£1,811
Cash needed£145,850
Monthly profit payback52y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.72
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 | £32,760 | £9,766 | £18,281 | £0 | £895 | £3,818 | £3,818 |
| Year 2 | £33,743 | £10,059 | £18,281 | £0 | £1,026 | £4,377 | £8,194 |
| Year 3 | £34,755 | £10,361 | £18,281 | £0 | £1,161 | £4,952 | £13,146 |
| Year 4 | £35,798 | £10,672 | £18,281 | £0 | £1,301 | £5,544 | £18,690 |
| Year 5 | £36,872 | £10,992 | £18,281 | £0 | £1,444 | £6,155 | £24,845 |
Disposal gain (gross)-£16,795
CGT£0
Net Disposal proceeds£403,680
What we verified
What we verified
24052 ok · 4 caution · 0 fail · 5 unknown
Legal & planning
Leaseholdleasehold
Tenure & planningleasehold
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
Critical
Lender impact
Top-floor / penthouse listing — building almost certainly > 11 m. Must have EWS1 or PAS 9980 to be mortgageable; verify with vendor.
Most lenders refuse
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 cohortSW11 3NQ · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 2.5 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 · 633 sqft · London ×1.4
£24k–£47k
£ per sqft
building cost only
£38–£74
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£6,330–£11,394
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,862–£16,458
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
Refurb & refinance wins — +£255/mo · £22/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 | 8.74% | +£233 | £145,850 | 17.0% | Low | Feasible |
| Housing-benefit rent | 5.42% | -£644 | £145,850 | -18.6% | Med | Feasible |
| Council lease | 5.42% | -£304 | £145,850 | -9.4% | Low | Feasible |
| ⭐ Refurb & refinance | 8.74% | +£255 | £170,780 | 15.4% | Med | Feasible |
| Short-stay let / Airbnb | 10.75% | -£31 | £145,850 | 2.2% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £426,655 | 5% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context271 active short-lets nearby
Short-let market context
- 271 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Inner South West London · cap £1,695/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Inner South West London
- LHA monthly cap:
- £1,695
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 let25% occupancy
£448/night ADR
Based on 20 short-let comps nearby
Rent by the room conversion upside
-£896/mo cash flow vs Rent it out if converted to Rent by the room
7.68% Return before costs on price converted vs 8.74% as-is
As-is Rent it out
Monthly profit+£444
Return before costs on price8.74%
Cash needed£105,648
If converted to Rent by the room
Monthly profit-£452
Return before costs on price7.68%
Cash needed£121,648
Δ vs Rent it out Monthly profit-£896
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
£61,600
Range: £53,200 – £72,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£45,492–£85,353full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£3,165–£5,697
- Replumb£2,532–£5,064
- Windows£6,963–£12,660
- Paint + decor£6,330–£11,394
- Flooring£8,862–£16,458
Comparables
sold within 0.5 miWide · CV 37.7%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- Not ratedL'Ecole de BatterseaNot applicable · Other independent school · SW11 3DS
- Not ratedThomas's BatterseaNot applicable · Other independent school · SW11 3JB
- Not ratedSomerset Nursery School and Children's CentreNursery · Local authority nursery school · SW11 3ND
- Not ratedWestbridge AcademyPrimary · Academy sponsor led · SW11 3NE
- Not ratedSaint John Bosco CollegeSecondary · Voluntary aided school · SW11 3DQ
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£32,760
Section 24 credit£0
Annual tax due£895
Post-tax Monthly profit annual£2,558
Exit costs
Projected sale price (5y · 2%/yr growth)£414,030
Capital gain (pre-CGT)£39,030
Sale costs (~2.5%)£10,351
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£24,845
Rates as of Oct 2024
Acquisition costs
£145,850cash neededPurchase price£375,000
Deposit (25%)£93,750
Stamp duty+5% additional-property surcharge£27,500
Refurb£15,450
Legal + survey£2,525
Mortgage fees£6,625
Total cash neededdeposit + costs (loan covers the rest)£145,850
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A well-proportioned top floor two-bedroom apartment boasting fantastic far-reaching views, ideally positioned just moments from the River Thames and the vibrant Battersea Square.
The accommodation comprises a spacious dual-aspect reception room, flooded with natural light and offering impressive panoramic views, alongside a well-appointed kitchen. There are two generous double bedrooms and a modern family bathroom, all thoughtfully arranged to maximise space and comfort.
Lo…
Floor plans
Listing metazoopla · Chestertons - Battersea Park
About this listing
86 days · ZooplaPrice history
5-year price trend
Monthly profit
+£233
Cash needed
£146K
Return after costs
1.92%
IRR
1.81%
Listed 86d ago
Sparkford House, Battersea Church Road SW11
flat · 2 bed · 1 bath · 633 sqft
£375,000
est £2,730 · 8.74% gross
EPC D
Priced below market
1 / 20
55/100
Caution
Real 8.74% — fundamentals work.
Priced below market -13% vs 12 nearby sold (last 12 mo)
Monthly profit +£233/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.74% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£375K
13% below sold comps
Return before costs
8.74%
est rent £2,730/monot enough comparablesRange £2,321–£3,211/mo (Q1–Q3)
Bedrooms
2
1 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: £2,321–£3,211/mo · n=54
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£11,588–£21,630 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £281,250 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£233
after mortgage, operating costs & tax
Rent in£2,730/mo gross
£2,625/mo collected · £105/mo lost to voids
Where it goes
£1,523Mortgage£814Costs
£233/mo left as profit · 9% of rent kept
Mortgage£1,523
Costs£814
Management£273
Maintenance£67
Insurance£28
CapEx reserve£137
Voids + council tax£3
Service charge + ground rent£175
Ltd co. accounts£104
Selective licensing£27
Tax£55
Profit+£233
Returns
Return before costs on price8.74%
Cash return on cash1.92%
Gross margin£1,811
Cash needed£145,850
Monthly profit payback52y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.72
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context271 active short-lets nearby
Short-let market context
- 271 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Inner South West London · cap £1,695/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Inner South West London
- LHA monthly cap:
- £1,695
- Scheme type:
- PSL
- Premium:
- +0% 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 | £32,760 | £9,766 | £18,281 | £0 | £895 | £3,818 | £3,818 |
| Year 2 | £33,743 | £10,059 | £18,281 | £0 | £1,026 | £4,377 | £8,194 |
| Year 3 | £34,755 | £10,361 | £18,281 | £0 | £1,161 | £4,952 | £13,146 |
| Year 4 | £35,798 | £10,672 | £18,281 | £0 | £1,301 | £5,544 | £18,690 |
| Year 5 | £36,872 | £10,992 | £18,281 | £0 | £1,444 | £6,155 | £24,845 |
Rent by the room upside
What we verified
2406
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeleasehold
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 37.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,656
Annual rental tax£656
CGT yr 5£0 · company level
5y net total£24,845
Acquisition costs
25% deposit£93,750
Stamp duty£27,500
Refurb£15,450
Legal + survey£2,525
Mortgage + broker£6,625
Cash needed£145,850
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
A well-proportioned top floor two-bedroom apartment boasting fantastic far-reaching views, ideally positioned just moments from the River Thames and the vibrant Battersea Square.
The accommodation comprises a spacious dual-aspect reception room, flooded with natural light and offering impressive panoramic views, alongside a well-appointed kitchen. There are two generous double bedrooms and a modern family bathroom, all thoughtfully arranged to maximise space and comfort.
Lo…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice