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Year 5 disposal
⊞ View all 14
5/ 100
Weak
6.53% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Monthly profit −£375/mo — significantly negative — real recurring drain
- -2.7% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£375/mo
You top up £375/mo
Price vs market
Above comparable sales
+29% vs 12 sold
Return · IRR
-2.7%/yr
Loses money over 5 years
Cash to get in
£216K
Deposit + fees + refurb
Price £540KReturn before costs on price · Rent by the room 6.53%5-yr return on cash -4%Rent est. £2,489 (£2,196–£2,821)
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: £2,196–£2,821/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £135,000
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 (£18,859–£35,203 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £405,000 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 £400K+
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£375
after mortgage, operating costs & tax
Rent in£2,489/mo gross
£2,393/mo collected · £96/mo lost to voids
Where it goes
£2,194Mortgage£575Costs
Outgoings exceed rent — you top up £375/mo
Mortgage£2,194
Costs£575
Management£249
Maintenance£50
Insurance£40
CapEx reserve£124
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£375
Returns
Return before costs on price5.53%
Cash return on cash-2.08%
Gross margin£1,818
Cash needed£216,145
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
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 | £29,868 | £6,900 | £26,325 | £0 | £0 | -£3,357 | -£3,357 |
| Year 2 | £30,764 | £7,107 | £26,325 | £0 | £0 | -£2,668 | -£6,024 |
| Year 3 | £31,687 | £7,320 | £26,325 | £0 | £0 | -£1,958 | -£7,982 |
| Year 4 | £32,638 | £7,539 | £26,325 | £0 | £0 | -£1,227 | -£9,209 |
| Year 5 | £33,617 | £7,766 | £26,325 | £0 | £0 | -£474 | -£9,683 |
Disposal gain (gross)-£30,746
CGT£0
Net Disposal proceeds£581,299
What we verified
What we verified
51065 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
Rates as of May 2026
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
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 profileFamily let
Tenant profilelikely cohortSL2 1NE · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Reading · 25.1 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 2-bath · 1291 sqft
£34k–£66k
£ per sqft
building cost only
£26–£51
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£9,037–£16,783
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£14,201–£27,111
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Check council
The council's HMO page lists the current mandatory fee plus any additional / selective scheme that catches smaller HMOs.
Mandatory licensing applies to 5+ sharer HMOs (Housing Act 2004)
Find council HMO page →Price & sale history139d on marketno cuts yet
Strategy matrix
Rent by the room wins — +£424/mo · £799/mo ahead of Rent it out (after room-conversion)
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 5.53% | -£375 | £216,145 | -4.5% | Low | Feasible |
| Housing-benefit rent | 4.21% | -£976 | £216,145 | -20.7% | Med | Feasible |
| Council lease | 4.21% | -£588 | £216,145 | -13.6% | Low | Feasible |
| Refurb & refinance | 5.53% | -£375 | £253,203 | -3.8% | Med | Feasible |
| Short-stay let / Airbnb | 6.26% | -£862 | £216,145 | -21.4% | High | Feasible |
| Buy, improve & sell | 0.00% | -£194 | £622,103 | 4% | Med | Feasible |
| ⭐ Rent by the room | 4.44% * | +£424 | £211,086 | — | — | Feasible |
* Rent by the room shows net yield on cost for the audited HMO conversion deal (post-conversion, after running costs) — not gross like the other rows. Its 5-yr ROI reads “—” because the audited deal is a year-one snapshot; the HMO conversion panel below shows the cash-back / payback horizon.
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 East Thames Valley · cap £1,895/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- East Thames Valley
- LHA monthly cap:
- £1,895
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 let59% occupancy
£157/night ADR
Based on 6 short-let comps nearby
Rent by the room conversion upside
-£804/mo cash flow vs Rent it out if converted to Rent by the room
5.33% Return before costs on price converted vs 5.53% as-is
£540k → 6-bed HMO @ ~£677/room: £3,963 pcm gross, ~£2,280 pcm net (4.4% net on £616k all-in incl. ~£30k works); needs +2 bathrooms; GDV ~£391k → refinance releases ~£-112k (~£323k left in)
medium confidence
Unlocks ~£17,622/yr extra rent
4 → 6 lettable rooms · ~5.2% gross at max
Potential, not guaranteed (subject to planning + regs). Estimate from the floorplan (kitchen size assumed) — verify room sizes against the floorplan before offering.
How we calculated this
floorplan shows 7 habitable rooms (4 beds + 3 reception(s)); convert 2 spare room(s) to bedrooms, keeping one reception as the lounge → up to 6 lettable rooms (1 double, 0 single); sized to Slough adopted standard (6.51/10.22 m²; Houses in Multiple Occupation — Standards in Licensable Properties (Slough BC)); 1 room size(s) not printed on the plan — counted but unverified vs the standard; adds ~£1,468/mo; loft conversion may add 1-2 further rooms (subject to head height/planning — not counted); mandatory HMO licence (5+ persons, England)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
4 → 6 bed HMO+1 double, +1 single4.44% net on cost2.41% cash-on-cashuplift 5.53% → 5.24%
💷 Refinance could release ~-£111,801
HMO licence+2 bathroom needed
Sized to Slough's adopted HMO standards
Projections use documented assumptions (local room rates, typical conversion costs, 75% LTV at 5.5%, indicative regional valuation yields) and each council’s published HMO standards. Not financial advice. Verify room sizes, licensing and planning with the council and a surveyor before purchase.
Room mix (4 lettable rooms)
2× Double @ £754/mo1× Single @ £598/mo1× En-suite @ £832/mo
≈ £2,938/mo gross room income
As-is Rent it out
Monthly profit-£292
Return before costs on price5.53%
Cash needed£146,898
If converted to Rent by the room
Monthly profit-£1,097
Return before costs on price5.33%
Cash needed£162,898
Δ vs Rent it out Monthly profit-£804
+2 rooms (6 total)
Monthly profit+£286
Return before costs on price9.79%
Cash needed£182,898
Extra rent+£1,469/mo
Show conversion detail
Conversion cost estimate
£32,500
Range: £25,000 – £42,500
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£80,204–£142,666full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 2 × bathroom£13,500–£24,750
- Rewire£6,455–£10,328
- Replumb£5,164–£9,037
- Windows£14,201–£24,529
- Paint + decor£12,910–£21,947
- Flooring£18,074–£32,275
Based on 859 HMO comps within 1.1 km
Comparables
sold within 0.5 miWide · CV 18.4%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
- Not ratedClaycots SchoolPrimary · Community school · SL2 1QX
- Not ratedPenn Wood Primary and Nursery SchoolPrimary · Community school · SL2 1PH
- Not ratedBeechwood SchoolSecondary · Academy converter · SL2 1QE
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£29,868
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£4,505
Exit costs
Projected sale price (5y · 2%/yr growth)£596,204
Capital gain (pre-CGT)£56,204
Sale costs (~2.5%)£14,905
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-£9,683
Rates as of Oct 2024
Acquisition costs
£216,145cash neededPurchase price£540,000
Deposit (25%)£135,000
Stamp duty+5% additional-property surcharge£44,000
Refurb£25,145
Legal + survey£2,900
Mortgage fees£9,100
Total cash neededdeposit + costs (loan covers the rest)£216,145
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
This beautiful family home presents an excellent opportunity for families seeking a spacious and comfortable living. Boasting four well-proportioned bedrooms, this property is perfect for those who value both space and functionality. The ground floor features two inviting reception rooms and modern fitted kitchen, providing ample space for relaxation and entertainment and ideal for family gatherings. Additionally, the ground floor is equipped with an office and a convenient b…
Floor plans
Listing metazoopla · Simmons & Son
About this listing
139 days · ZooplaPrice history
5-year price trend
Monthly profit
−£375
Cash needed
£216K
Return after costs
-2.08%
IRR
-2.66%
Listed 139d ago
Hatton Avenue, Slough, Slough SL2
terraced · 4 bed · 2 bath · 1,291 sqft
£540,000
est £2,489 · 5.53% gross
EPC D
1 / 13
5/100
Marginal
6.53% Rent by the room strategy — market rent unverified, verify locally.
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£540K
29% above sold comps
Return before costs (best)
6.53%
Rent by the room
Bedrooms
4
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: £2,196–£2,821/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £135,000
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 (£18,859–£35,203 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £405,000 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 £400K+
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£375
after mortgage, operating costs & tax
Rent in£2,489/mo gross
£2,393/mo collected · £96/mo lost to voids
Where it goes
£2,194Mortgage£575Costs
Outgoings exceed rent — you top up £375/mo
Mortgage£2,194
Costs£575
Management£249
Maintenance£50
Insurance£40
CapEx reserve£124
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£375
Returns
Return before costs on price5.53%
Cash return on cash-2.08%
Gross margin£1,818
Cash needed£216,145
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
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 East Thames Valley · cap £1,895/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- East Thames Valley
- LHA monthly cap:
- £1,895
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £29,868 | £6,900 | £26,325 | £0 | £0 | -£3,357 | -£3,357 |
| Year 2 | £30,764 | £7,107 | £26,325 | £0 | £0 | -£2,668 | -£6,024 |
| Year 3 | £31,687 | £7,320 | £26,325 | £0 | £0 | -£1,958 | -£7,982 |
| Year 4 | £32,638 | £7,539 | £26,325 | £0 | £0 | -£1,227 | -£9,209 |
| Year 5 | £33,617 | £7,766 | £26,325 | £0 | £0 | -£474 | -£9,683 |
Rent by the room upside
What we verified
5106
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 18.4%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£5,265
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£9,683
Acquisition costs
25% deposit£135,000
Stamp duty£44,000
Refurb£25,145
Legal + survey£2,900
Mortgage + broker£9,100
Cash needed£216,145
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 beautiful family home presents an excellent opportunity for families seeking a spacious and comfortable living. Boasting four well-proportioned bedrooms, this property is perfect for those who value both space and functionality. The ground floor features two inviting reception rooms and modern fitted kitchen, providing ample space for relaxation and entertainment and ideal for family gatherings. Additionally, the ground floor is equipped with an office and a convenient b…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice