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Year 5 disposal
BMV -16%
⊞ View all 5
100/ 100
Strong
9.49% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£359/mo from completion — the no.1 reason to invest
- 9.49% return before costs — above-market
- Priced below market -16% 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
- 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
+£359/mo
Pays you every month, net of costs
Price vs market
Below market value
-16% vs 12 sold · interior unseen
Return · IRR
3.1%/yr
Modest annualised return
Cash left in
£93K
Stays in after refinancing at value
Price £350KCash to buy £145KReturn before costs on price 9.49%5-yr return on cash 23%Rent est. £2,768 (£2,501–£3,064)
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: £2,501–£3,064/mo · n=62
Financing
DepositYour cash in — the rest is the mortgage25% · £87,488
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 (£17,630–£32,908 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,462.5 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
+£359
after mortgage, operating costs & tax
Rent in£2,768/mo gross
£2,662/mo collected · £106/mo lost to voids
Where it goes
£1,422Mortgage£797Costs
£359/mo left as profit · 13% of rent kept
Mortgage£1,422
Costs£797
Management£277
Maintenance£67
Insurance£28
CapEx reserve£138
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax£84
Profit+£359
Returns
Return before costs on price9.49%
Cash return on cash2.98%
Gross margin£1,865
Cash needed£144,763
Monthly profit payback33y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.87
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 | £33,216 | £9,560 | £17,060 | £0 | £1,253 | £5,343 | £5,343 |
| Year 2 | £34,212 | £9,847 | £17,060 | £0 | £1,388 | £5,918 | £11,261 |
| Year 3 | £35,239 | £10,142 | £17,060 | £0 | £1,527 | £6,510 | £17,770 |
| Year 4 | £36,296 | £10,446 | £17,060 | £0 | £1,670 | £7,120 | £24,890 |
| Year 5 | £37,385 | £10,760 | £17,060 | £0 | £1,817 | £7,748 | £32,638 |
Disposal gain (gross)-£24,262
CGT£0
Net Disposal proceeds£376,714
What we verified
What we verified
42064 ok · 2 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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 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
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 cohortTW2 5BU · 3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 13.6 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
3-bed · 1-bath · 1155 sqft · London ×1.4
£37k–£70k
£ per sqft
building cost only
£32–£60
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£11,550–£20,790
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£16,170–£30,030
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
Price & sale history86d on marketno cuts yet
Strategy matrix
Rent it out wins — +£359/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 | 9.49% | +£359 | £144,763 | 22.5% | Low | Feasible |
| Housing-benefit rent | 6.16% | -£459 | £144,763 | -10.5% | Med | Feasible |
| Council lease | 6.16% | -£91 | £144,763 | -0.5% | Low | Feasible |
| Refurb & refinance | 9.49% | +£359 | £171,662 | 19.0% | Med | Feasible |
| Short-stay let / Airbnb | 3.98% | -£1,207 | £144,763 | -49.2% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £410,378 | 3% | Med | Feasible |
| Rent by the room | 8.50% | -£1,496 | £174,763 | -44.5% | — | Feasible |
Short-let (SA) context284 active short-lets nearby
Short-let market context
- 284 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer South West London · cap £1,795/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South West London
- LHA monthly cap:
- £1,795
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- 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
£155/night ADR
Based on 7 short-let comps nearby
Rent by the room conversion upside
-£902/mo cash flow vs Rent it out if converted to Rent by the room
8.23% Return before costs on price converted vs 9.49% as-is
Room mix (3 lettable rooms)
3× Double @ £826/mo
≈ £2,478/mo gross room income
As-is Rent it out
Monthly profit+£548
Return before costs on price9.49%
Cash needed£99,386
If converted to Rent by the room
Monthly profit-£354
Return before costs on price8.23%
Cash needed£115,386
Δ vs Rent it out Monthly profit-£902
Show conversion detail
Conversion cost estimate
£67,200
Range: £58,800 – £78,400
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£68,460–£127,635full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£5,775–£10,395
- Replumb£4,620–£9,240
- Windows£12,705–£23,100
- Paint + decor£11,550–£20,790
- Flooring£16,170–£30,030
Based on 545 HMO comps within 599 m
Comparables
sold within 0.5 miWide · CV 18.2%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodTrafalgar Infant SchoolPrimary · Community school · TW2 5EH
- GoodTrafalgar Junior SchoolPrimary · Community school · TW2 5EG
- Not ratedThe Mall SchoolNot applicable · Other independent school · TW2 5NQ
- Not ratedArchdeacon Cambridge's Church of England Primary SchoolPrimary · Voluntary aided school · TW2 5TU
- Not ratedSt James's Catholic Primary SchoolPrimary · Voluntary aided school · TW2 5NP
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£33,216
Section 24 credit£0
Annual tax due£1,253
Post-tax Monthly profit annual£4,065
Exit costs
Projected sale price (5y · 2%/yr growth)£386,373
Capital gain (pre-CGT)£36,423
Sale costs (~2.5%)£9,659
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£32,638
Rates as of Oct 2024
Acquisition costs
£144,763cash neededPurchase price£349,950
Deposit (25%)£87,488
Stamp duty+5% additional-property surcharge£24,995
Refurb£23,506
Legal + survey£2,525
Mortgage fees£6,249
Total cash neededdeposit + costs (loan covers the rest)£144,763
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A three double bedroom ground floor apartment offered to the market with no onward chain. Benefitting from communal gardens this property is not to missed.
Sontan Court is in a quiet residential road close to Twickenham Green and half a mile from a mainline station making it a great all rounder.
Tenure: Leasehold Lease Years Remaining: 135 Service Charge: £1,250 Annual Ground Rent: £0 Council Tax Band: D
Information contained within this listing is for guidance only and sh…
Floor plans
Nearby active comparables5 deals
Comparable rentals
TW2 · same beds + typeNo nearby rentals matched on postcode prefix + bedrooms + property type.
Listing metazoopla · Dexters - Twickenham
About this listing
86 days · ZooplaPrice history
5-year price trend
Monthly profit
+£359
Cash needed
£145K
Return after costs
2.98%
IRR
3.08%
Listed 86d ago
Churchview Road, Twickenham TW2
flat · 3 bed · 1 bath
£349,950
est £2,768 · 9.49% gross
EPC C
Priced below market
1 / 5
100/100
Strong
9.49% — verify the rent + comps locally.
Priced below market -16% vs 12 nearby sold (last 12 mo)
Monthly profit +£359/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.49% Return before costs — above-market
Price
£350K
16% below sold comps
Return before costs
9.49%
est rent £2,768/monot enough comparablesRange £2,501–£3,064/mo (Q1–Q3)
Bedrooms
3
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: £2,501–£3,064/mo · n=62
Financing
DepositYour cash in — the rest is the mortgage25% · £87,488
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 (£17,630–£32,908 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,462.5 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
+£359
after mortgage, operating costs & tax
Rent in£2,768/mo gross
£2,662/mo collected · £106/mo lost to voids
Where it goes
£1,422Mortgage£797Costs
£359/mo left as profit · 13% of rent kept
Mortgage£1,422
Costs£797
Management£277
Maintenance£67
Insurance£28
CapEx reserve£138
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax£84
Profit+£359
Returns
Return before costs on price9.49%
Cash return on cash2.98%
Gross margin£1,865
Cash needed£144,763
Monthly profit payback33y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.87
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context284 active short-lets nearby
Short-let market context
- 284 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer South West London · cap £1,795/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South West London
- LHA monthly cap:
- £1,795
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- 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 | £33,216 | £9,560 | £17,060 | £0 | £1,253 | £5,343 | £5,343 |
| Year 2 | £34,212 | £9,847 | £17,060 | £0 | £1,388 | £5,918 | £11,261 |
| Year 3 | £35,239 | £10,142 | £17,060 | £0 | £1,527 | £6,510 | £17,770 |
| Year 4 | £36,296 | £10,446 | £17,060 | £0 | £1,670 | £7,120 | £24,890 |
| Year 5 | £37,385 | £10,760 | £17,060 | £0 | £1,817 | £7,748 | £32,638 |
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 typeLeasehold
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
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 18.2%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,412
Annual rental tax£1,011
CGT yr 5£0 · company level
5y net total£32,638
Acquisition costs
25% deposit£87,488
Stamp duty£24,995
Refurb£23,506
Legal + survey£2,525
Mortgage + broker£6,249
Cash needed£144,763
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 three double bedroom ground floor apartment offered to the market with no onward chain. Benefitting from communal gardens this property is not to missed.
Sontan Court is in a quiet residential road close to Twickenham Green and half a mile from a mainline station making it a great all rounder.
Tenure: Leasehold Lease Years Remaining: 135 Service Charge: £1,250 Annual Ground Rent: £0 Council Tax Band: D
Information contained within this listing is for guidance only and sh…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice