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Year 5 disposal
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84/ 100
Strong
8.43% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 8.43% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- EPC C — MEES compliant
Why to be cautious
- Floor area 431 sqft — small for the type
- 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
+£72/mo
Barely breaks even each month
Price
£180K
No local sold comps to compare
Return · IRR
1.5%/yr
Modest annualised return
Cash to get in
£68K
Deposit + fees + refurb
Return before costs on price 8.43%5-yr return on cash 14%Rent est. £1,264 (£1,099–£1,454)
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: £1,099–£1,454/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£5,567–£10,392 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £135,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£72
after mortgage, operating costs & tax
Rent in£1,264/mo gross
£1,215/mo collected · £49/mo lost to voids
Where it goes
£731Mortgage£396Costs
£72/mo left as profit · 6% of rent kept
Mortgage£731
Costs£396
Management£126
Maintenance£67
Insurance£20
CapEx reserve£63
Voids + council tax£7
Service charge + ground rent£8
Ltd co. accounts£104
Tax£17
Profit+£72
Returns
Return before costs on price8.43%
Cash return on cash1.26%
Gross margin£820
Cash needed£68,223
Monthly profit payback79y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.66
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 | £15,168 | £4,746 | £8,775 | £0 | £313 | £1,334 | £1,334 |
| Year 2 | £15,623 | £4,889 | £8,775 | £0 | £372 | £1,587 | £2,921 |
| Year 3 | £16,092 | £5,035 | £8,775 | £0 | £433 | £1,848 | £4,770 |
| Year 4 | £16,574 | £5,186 | £8,775 | £0 | £497 | £2,116 | £6,886 |
| Year 5 | £17,072 | £5,342 | £8,775 | £0 | £561 | £2,394 | £9,280 |
Disposal gain (gross)-£5,757
CGT£0
Net Disposal proceeds£193,766
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- 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 cohortME15 9RU · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 49.9 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 · 431 sqft
£15k–£30k
£ per sqft
building cost only
£35–£69
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£3,017–£5,603
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£4,741–£9,051
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history87d on marketno cuts yet
Strategy matrix
Rent it out wins — +£72/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 | 8.43% | +£72 | £68,223 | 13.6% | Low | Feasible |
| Housing-benefit rent | 6.02% | -£264 | £68,223 | -14.2% | Med | Feasible |
| Council lease | 6.02% | -£73 | £68,223 | -2.8% | Low | Feasible |
| Refurb & refinance | 8.43% | +£72 | £80,192 | 11.6% | Med | Feasible |
| Short-stay let / Airbnb | 7.60% | -£302 | £68,223 | -23.9% | High | Feasible |
| Buy, improve & sell | 0.00% | -£199 | £202,492 | 6% | 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 Maidstone · cap £903/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Maidstone
- LHA monthly cap:
- £903
- 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 let36% occupancy
£105/night ADR
Based on 3 short-let comps nearby
Rent by the room conversion upside
+£154/mo cash flow vs Rent it out if converted to Rent by the room
16.00% Return before costs on price converted vs 8.43% as-is
As-is Rent it out
Monthly profit+£97
Return before costs on price8.43%
Cash needed£56,898
If converted to Rent by the room
Monthly profit+£251
Return before costs on price16.00%
Cash needed£72,898
Δ vs Rent it out Monthly profit+£154
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
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£35,614–£64,931full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£2,155–£3,448
- Replumb£1,724–£3,017
- Windows£4,741–£8,189
- Paint + decor£4,310–£7,327
- Flooring£6,034–£10,775
Comparables
sold within 0.5 miLoading 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
- OutstandingFive Acre Wood SchoolNot applicable · Foundation special school · ME15 9QF
- GoodLeigh Academy OaksPrimary · Academy sponsor led · ME15 9AX
- GoodLoose Primary SchoolPrimary · Academy converter · ME15 9UW
- GoodThe Holy Family Catholic Primary SchoolPrimary · Academy sponsor led · ME15 9PS
- GoodTiger Primary SchoolPrimary · Free schools · ME15 9QL
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£15,168
Section 24 credit£0
Annual tax due£313
Post-tax Monthly profit annual£750
Exit costs
Projected sale price (5y · 2%/yr growth)£198,735
Capital gain (pre-CGT)£18,735
Sale costs (~2.5%)£4,968
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£9,280
Rates as of Oct 2024
Acquisition costs
£68,223cash neededPurchase price£180,000
Deposit (25%)£45,000
Stamp duty+5% additional-property surcharge£10,100
Refurb£7,423
Legal + survey£2,000
Mortgage fees£3,700
Total cash neededdeposit + costs (loan covers the rest)£68,223
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Guide price: £180,000-£200,000
Situated in the highly sought after area of Loose, this modern two bedroom first floor apartment offers comfortable and convenient living within walking distance of local shops, well regarded schools, picturesque countryside walks, and a range of everyday amenities.
The property benefits from a garage, allocated parking space, and access to a spacious communal garden, providing excellent outdoor space for residents to enjoy.
Offered with a sh…
Floor plans
Nearby active comparables20 rentals
Comparable rentals
ME15 · same beds + typeMedian nearby: £1,250/mo · 13 of 20 already let-£14 vs our est
- The FarrowsLet2b£1,300/moMay 2026
- The Farrows, Maidstone, ME15Let2b£1,300/moMay 2026
- Upper Stone Street Maidstone ME152b£1,300/moMay 2026
- Gabriels Hill, Maidstone, ME15Let2b£1,300/moMay 2026
- Highland Road, Maidstone, Kent, ME152b£1,200/moMay 2026
- Loose Road Maidstone ME15Let2b£1,250/moMay 2026
- College Road , Maidstone2b£1,100/moMay 2026
- Gabriels Hill, Maidstone, ME15Let2b£1,250/moMay 2026
- Cornhill Place, Maidstone, ME152b£1,250/moMay 2026
- Kent House2b£1,150/moMay 2026
- Lower Stone Street, Maidstone, ME15Let2b£1,200/moMay 2026
- Lower Stone Street, Maidstone, ME152b£1,150/moMay 2026
- Stagshaw Close, Maidstone, ME152b£1,200/moMay 2026
- Loose Road, Loose, Maidstone ME15Let2b£1,250/moMay 2026
- Willington Street, Maidstone ME15Let2b£1,100/moMay 2026
- Romney Place, Maidstone ME15Let2b£1,200/moMay 2026
- Loose Road, Loose, Maidstone ME15Let2b£1,250/moMay 2026
- Cornhill Place, Maidstone ME15Let2b£1,250/moMay 2026
- College Road, Maidstone ME15Let2b£1,100/moMay 2026
- River Bank Close, Maidstone, Kent ME15Let2b£1,300/moDec 2025
Other deals nearby
ME15 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Robinson Michael & Jackson - Maidstone
About this listing
87 days · ZooplaPrice history
5-year price trend
Monthly profit
+£72
Cash needed
£68K
Return after costs
1.26%
IRR
1.49%
Listed 87d ago
Pickering Street, Maidstone, Kent ME15
flat · 2 bed · 1 bath · 431 sqft
£180,000
est £1,264 · 8.43% gross
EPC C
1 / 12
84/100
Strong
8.43% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.43% Return before costs — above-market
Price
£180K
Return before costs
8.43%
est rent £1,264/monot enough comparablesRange £1,099–£1,454/mo (Q1–Q3)
Bedrooms
2
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: £1,099–£1,454/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£5,567–£10,392 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £135,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£72
after mortgage, operating costs & tax
Rent in£1,264/mo gross
£1,215/mo collected · £49/mo lost to voids
Where it goes
£731Mortgage£396Costs
£72/mo left as profit · 6% of rent kept
Mortgage£731
Costs£396
Management£126
Maintenance£67
Insurance£20
CapEx reserve£63
Voids + council tax£7
Service charge + ground rent£8
Ltd co. accounts£104
Tax£17
Profit+£72
Returns
Return before costs on price8.43%
Cash return on cash1.26%
Gross margin£820
Cash needed£68,223
Monthly profit payback79y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.66
Rent-covers-mortgage check PASS · stress 6.5% (target 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 Maidstone · cap £903/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Maidstone
- LHA monthly cap:
- £903
- 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 | £15,168 | £4,746 | £8,775 | £0 | £313 | £1,334 | £1,334 |
| Year 2 | £15,623 | £4,889 | £8,775 | £0 | £372 | £1,587 | £2,921 |
| Year 3 | £16,092 | £5,035 | £8,775 | £0 | £433 | £1,848 | £4,770 |
| Year 4 | £16,574 | £5,186 | £8,775 | £0 | £497 | £2,116 | £6,886 |
| Year 5 | £17,072 | £5,342 | £8,775 | £0 | £561 | £2,394 | £9,280 |
Rent by the room upside
What we verified
6206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
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£80/yr
Ground rentDoubling clauses kill mortgageability£10/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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,755
Annual rental tax£202
CGT yr 5£0 · company level
5y net total£9,280
Acquisition costs
25% deposit£45,000
Stamp duty£10,100
Refurb£7,423
Legal + survey£2,000
Mortgage + broker£3,700
Cash needed£68,223
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
Guide price: £180,000-£200,000
Situated in the highly sought after area of Loose, this modern two bedroom first floor apartment offers comfortable and convenient living within walking distance of local shops, well regarded schools, picturesque countryside walks, and a range of everyday amenities.
The property benefits from a garage, allocated parking space, and access to a spacious communal garden, providing excellent outdoor space for residents to enjoy.
Offered with a sh…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice