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Year 5 disposal
BMV -40%
⊞ View all 10
100/ 100
Strong
Strong investment fundamentals.
Why it works
- 13.50% return before costs — above-market
- Priced below market -40% vs 12 nearby sold (last 12 mo) — instant equity
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (129 yrs) — no short-lease drag
Why to be cautious
- Floor area 495 sqft — small for the type
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£80/mo
Barely breaks even each month
Price vs market
Below market value
-40% vs 12 sold · interior unseen
Return · IRR
2.4%/yr
Modest annualised return
Cash left in
£0
Fully recycled — pull all your cash back out
Price £99KCash to buy £42KReturn before costs on price 13.50%5-yr return on cash 20%Rent est. £1,114 (£1,061–£1,170)
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: £1,061–£1,170/mo · n=111
Financing
DepositYour cash in — the rest is the mortgage25% · £24,750
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 (£6,164–£11,505 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £74,250 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£80
after mortgage, operating costs & tax
Rent in£1,114/mo gross
£1,071/mo collected · £43/mo lost to voids
Where it goes
£402Mortgage£570Costs
£80/mo left as profit · 7% of rent kept
Mortgage£402
Costs£570
Management£111
Maintenance£67
Insurance£20
CapEx reserve£56
Voids + council tax£6
Service charge + ground rent£206
Ltd co. accounts£104
Tax£19
Profit+£80
Returns
Return before costs on price13.50%
Cash return on cash2.26%
Gross margin£501
Cash needed£42,403
Monthly profit payback44y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.66
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 | £13,368 | £6,844 | £4,826 | £0 | £323 | £1,375 | £1,375 |
| Year 2 | £13,769 | £7,050 | £4,826 | £0 | £360 | £1,533 | £2,908 |
| Year 3 | £14,182 | £7,261 | £4,826 | £0 | £398 | £1,697 | £4,605 |
| Year 4 | £14,608 | £7,479 | £4,826 | £0 | £437 | £1,865 | £6,470 |
| Year 5 | £15,046 | £7,703 | £4,826 | £0 | £478 | £2,038 | £8,508 |
Disposal gain (gross)-£7,597
CGT£0
Net Disposal proceeds£106,571
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
Leasehold129 yr
Tenure & planning129 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
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
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 cohortRG21 7AU · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Reading · 21.5 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
1-bed · 1-bath · 495 sqft
£16k–£32k
£ per sqft
building cost only
£32–£65
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£3,465–£6,435
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£5,445–£10,395
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history146d on marketno cuts yet
Strategy matrix
Rent it out wins — +£80/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 | 13.50% | +£80 | £42,403 | 20.1% | Low | Feasible |
| Housing-benefit rent | 9.43% | -£226 | £42,403 | -21.4% | Med | Feasible |
| Council lease | 0.00% | -£799 | £42,403 | -116.6% | Low | Feasible |
| Refurb & refinance | 13.50% | +£80 | £50,640 | 16.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£397 | £117,455 | 1% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Basingstoke · cap £778/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Basingstoke
- LHA monthly cap:
- £778
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
+£252/mo cash flow vs Rent it out if converted to Rent by the room
29.09% Return before costs on price converted vs 13.50% as-is
As-is Rent it out
Monthly profit+£255
Return before costs on price13.50%
Cash needed£36,648
If converted to Rent by the room
Monthly profit+£507
Return before costs on price29.09%
Cash needed£52,648
Δ vs Rent it out Monthly profit+£252
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 miWide · CV 18.2%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£13,368
Section 24 credit£0
Annual tax due£323
Post-tax Monthly profit annual£860
Exit costs
Projected sale price (5y · 2%/yr growth)£109,304
Capital gain (pre-CGT)£10,304
Sale costs (~2.5%)£2,733
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£8,508
Rates as of Oct 2024
Acquisition costs
£42,403cash neededPurchase price£99,000
Deposit (25%)£24,750
Stamp duty+5% additional-property surcharge£4,950
Refurb£8,218
Legal + survey£2,000
Mortgage fees£2,485
Total cash neededdeposit + costs (loan covers the rest)£42,403
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
This one bedroom apartment is based in the sought after development of Skyline Plaza. The home is within walking distance to local amenities in Festival Place, Basingstoke train and bus station, great for those wishing to commute via public transport. The apartment comprises an entrance hall, large open plan living room and kitchen equipped with white goods, a generously sized double bedroom and a large bathroom. The property also benefits from an allocated parking space.
Th…
Floor plans
Nearby active comparables20 rentals
Comparable rentals
RG21 · same beds + typeMedian nearby: £1,050/mo · 20 of 20 already let-£64 vs our est
- Churchill Place, Churchill Way, Basin…Let1b£1,150/moMay 2026
- Fletcher Close, Basingstoke, RG21Let1b£975/moMay 2026
- Alencon Link, Basingstoke, RG21Let1b£1,285/moMay 2026
- Winchester Street, Basingstoke, RG21Let1b£950/moMay 2026
- Alencon Link, Basingstoke RG21Let1b£1,150/moMay 2026
- Wolverton Square, 15-16 London Street…Let1b£1,050/moMay 2026
- Churchill Way, Basingstoke RG21Let1b£1,175/moMay 2026
- London Street, Basingstoke RG21Let1b£975/moMay 2026
- Normandy House, Basingstoke RG21Let1b£1,150/moMay 2026
- Vantage House, Little Victoria Street…Let1b£1,050/moMay 2026
- Alencon Link, Basingstoke RG21Let1b£1,050/moMay 2026
- Skyline Plaza, Alencon Link, Basingst…Let1b£1,100/moMay 2026
- 2nd Floor, Churchill Place, Churchill…Let1b£1,000/moMay 2026
- Ground Floor, Churchill Place, Church…Let1b£1,200/moApr 2026
- Normandy House, Basingstoke RG21Let1b£1,150/moFeb 2026
- Millard Close, Basingstoke RG21Let1b£950/moNov 2025
- Victoria Street, Basingstoke RG21Let1b£1,000/moNov 2025
- Rubens Close, Basingstoke, Hampshire…Let1b£950/moNov 2025
- Alencon Link, Basingstoke RG21Let1b£900/moJul 2025
- Feathers Yard, Basingstoke, Hampshire…Let1b£975/moNov 2025
Other deals nearby
RG21 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Your Move - Andover
About this listing
146 days · ZooplaPrice history
5-year price trend
Monthly profit
+£80
Cash needed
£42K
Return after costs
2.26%
IRR
2.43%
Listed 146d ago
Alencon Link, Basingstoke, Hampshire RG21
flat · 1 bed · 1 bath · 495 sqft
£99,000
est £1,114 · 13.50% gross
Leasehold 129yrEPC C
Priced below market
1 / 10
100/100
Strong
Real 13.50% — fundamentals work.
Priced below market -40% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
13.50% Return before costs — above-market
Price
£99K
40% below sold comps
Return before costs
13.50%
est rent £1,114/mo111 comps within 500 mRange £1,061–£1,170/mo (Q1–Q3)
Bedrooms
1
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: £1,061–£1,170/mo · n=111
Financing
DepositYour cash in — the rest is the mortgage25% · £24,750
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 (£6,164–£11,505 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £74,250 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£80
after mortgage, operating costs & tax
Rent in£1,114/mo gross
£1,071/mo collected · £43/mo lost to voids
Where it goes
£402Mortgage£570Costs
£80/mo left as profit · 7% of rent kept
Mortgage£402
Costs£570
Management£111
Maintenance£67
Insurance£20
CapEx reserve£56
Voids + council tax£6
Service charge + ground rent£206
Ltd co. accounts£104
Tax£19
Profit+£80
Returns
Return before costs on price13.50%
Cash return on cash2.26%
Gross margin£501
Cash needed£42,403
Monthly profit payback44y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.66
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Basingstoke · cap £778/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Basingstoke
- LHA monthly cap:
- £778
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 | £13,368 | £6,844 | £4,826 | £0 | £323 | £1,375 | £1,375 |
| Year 2 | £13,769 | £7,050 | £4,826 | £0 | £360 | £1,533 | £2,908 |
| Year 3 | £14,182 | £7,261 | £4,826 | £0 | £398 | £1,697 | £4,605 |
| Year 4 | £14,608 | £7,479 | £4,826 | £0 | £437 | £1,865 | £6,470 |
| Year 5 | £15,046 | £7,703 | £4,826 | £0 | £478 | £2,038 | £8,508 |
Rent by the room upside
What we verified
6206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining129 yr
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
Service chargeReduces net yield£2,320/yr
Ground rentDoubling clauses kill mortgageability£150/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 miWide · CV 18.2%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£965
Annual rental tax£225
CGT yr 5£0 · company level
5y net total£8,508
Acquisition costs
25% deposit£24,750
Stamp duty£4,950
Refurb£8,218
Legal + survey£2,000
Mortgage + broker£2,485
Cash needed£42,403
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
This one bedroom apartment is based in the sought after development of Skyline Plaza. The home is within walking distance to local amenities in Festival Place, Basingstoke train and bus station, great for those wishing to commute via public transport. The apartment comprises an entrance hall, large open plan living room and kitchen equipped with white goods, a generously sized double bedroom and a large bathroom. The property also benefits from an allocated parking space.
Th…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice