Skip to main contenthow this is calculated →
Year 5 disposal
BMV -50%
⊞ View all 18
17/ 100
Weak
5.94% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Priced below market -50% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Monthly profit −£239/mo — significantly negative — real recurring drain
- -3.8% 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.
- EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£239/mo
You top up £239/mo
Price vs market
Below market value
-50% vs 12 sold · interior unseen
Return · IRR
-3.8%/yr
Loses money over 5 years
Cash left in
£0
Fully recycled — pull all your cash back out
Price £168KCash to buy £68KReturn before costs on price 5.94%5-yr return on cash -16%Rent est. £831 (£783–£882)
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: £783–£882/mo · n=133
Financing
DepositYour cash in — the rest is the mortgage25% · £42,000
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 (£8,970–£16,744 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £126,000 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£239
after mortgage, operating costs & tax
Rent in£831/mo gross
£799/mo collected · £32/mo lost to voids
Where it goes
£683Mortgage£356Costs
Outgoings exceed rent — you top up £239/mo
Mortgage£683
Costs£356
Management£83
Maintenance£100
Insurance£20
CapEx reserve£42
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£239
Returns
Return before costs on price5.94%
Cash return on cash-4.25%
Gross margin£443
Cash needed£67,580
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.17
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 | £9,972 | £4,269 | £8,190 | £0 | £0 | -£2,487 | -£2,487 |
| Year 2 | £10,271 | £4,397 | £8,190 | £0 | £0 | -£2,316 | -£4,803 |
| Year 3 | £10,579 | £4,529 | £8,190 | £0 | £0 | -£2,139 | -£6,942 |
| Year 4 | £10,897 | £4,665 | £8,190 | £0 | £0 | -£1,958 | -£8,900 |
| Year 5 | £11,224 | £4,805 | £8,190 | £0 | £0 | -£1,771 | -£10,671 |
Disposal gain (gross)-£9,212
CGT£0
Net Disposal proceeds£180,848
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
Building condition
Energy ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
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 constraintsCADW 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
Wales uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortSA5 7JN · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Cardiff University · 57.7 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 · 810 sqft
£22k–£43k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history88d on marketno cuts yet
Strategy matrix
Short-stay let / Airbnb wins — -£115/mo · £2/mo ahead of Council lease
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 5.94% | -£239 | £67,580 | -15.8% | Low | Feasible |
| Housing-benefit rent | 3.92% | -£507 | £67,580 | -40.1% | Med | Feasible |
| Council lease | 5.94% | -£117 | £67,580 | -7.3% | Low | Feasible |
| Refurb & refinance | 5.94% | -£239 | £80,764 | -13.2% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 10.04% | -£115 | £67,580 | -6.8% | High | Feasible |
| Buy, improve & sell | 0.00% | -£224 | £194,844 | 3% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swansea
- LHA monthly cap:
- £549
- Scheme type:
- leasing
- Premium:
- +800% 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 let22% occupancy
£212/night ADR
Based on 4 short-let comps nearby
Rent by the room conversion upside
+£473/mo cash flow vs Rent it out if converted to Rent by the room
17.14% Return before costs on price converted vs 5.94% as-is
As-is Rent it out
Monthly profit-£185
Return before costs on price5.94%
Cash needed£53,898
If converted to Rent by the room
Monthly profit+£289
Return before costs on price17.14%
Cash needed£69,898
Δ vs Rent it out Monthly profit+£473
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
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,690–£80,380full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
Comparables
sold within 0.5 miWide · CV 37.2%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- Not ratedClwyd Community Primary SchoolNot applicable · Welsh establishment · SA5 7AZ
- Not ratedGwyrosydd PrimaryNot applicable · Welsh establishment · SA5 7DJ
- Not ratedLlangyfelach Primary SchoolNot applicable · Welsh establishment · SA5 7JE
- Not ratedYsgol Gyfun Gymraeg Bryn TaweNot applicable · Welsh establishment · SA5 7BU
- Not ratedYsgol Gynradd Gymraeg TirdeunawNot applicable · Welsh establishment · SA5 7HP
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£9,972
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,870
Exit costs
Projected sale price (5y · 2%/yr growth)£185,486
Capital gain (pre-CGT)£17,486
Sale costs (~2.5%)£4,637
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-£10,671
Rates as of Oct 2024
Acquisition costs
£67,580cash neededPurchase price£168,000
Deposit (25%)£42,000
Stamp duty+4% higher-rate surcharge£8,400
Refurb£11,960
Legal + survey£1,700
Mortgage fees£3,520
Total cash neededdeposit + costs (loan covers the rest)£67,580
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A fantastic opportunity to acquire this two-bedroom detached bungalow, offering excellent potential for modernisation and ideal for those looking to create a home tailored to their own taste. Perfectly suited to downsizers or first-time buyers, this property provides a great foundation with flexible living space. Originally built as a three-bedroom property, the current owners have thoughtfully reconfigured the layout to incorporate a separate dining room. The original door f…
Floor plans
Listing metazoopla · John Francis - Swansea Sales
About this listing
88 days · ZooplaPrice history
5-year price trend
Monthly profit
−£239
Cash needed
£68K
Return after costs
-4.25%
IRR
-3.85%
Listed 88d ago
Heol Pen Tir Garw, Penlan, Swansea SA5
detached · 2 bed · 1 bath
£168,000
est £831 · 5.94% gross
Priced below market
1 / 18
17/100
Marginal
5.94% — verify the rent + comps locally.
Priced below market -50% vs 12 nearby sold (last 12 mo)
Price
£168K
50% below sold comps
Return before costs
5.94%
est rent £831/monot enough comparablesRange £783–£882/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
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: £783–£882/mo · n=133
Financing
DepositYour cash in — the rest is the mortgage25% · £42,000
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 (£8,970–£16,744 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £126,000 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£239
after mortgage, operating costs & tax
Rent in£831/mo gross
£799/mo collected · £32/mo lost to voids
Where it goes
£683Mortgage£356Costs
Outgoings exceed rent — you top up £239/mo
Mortgage£683
Costs£356
Management£83
Maintenance£100
Insurance£20
CapEx reserve£42
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£239
Returns
Return before costs on price5.94%
Cash return on cash-4.25%
Gross margin£443
Cash needed£67,580
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.17
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swansea
- LHA monthly cap:
- £549
- Scheme type:
- leasing
- Premium:
- +800% 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 | £9,972 | £4,269 | £8,190 | £0 | £0 | -£2,487 | -£2,487 |
| Year 2 | £10,271 | £4,397 | £8,190 | £0 | £0 | -£2,316 | -£4,803 |
| Year 3 | £10,579 | £4,529 | £8,190 | £0 | £0 | -£2,139 | -£6,942 |
| Year 4 | £10,897 | £4,665 | £8,190 | £0 | £0 | -£1,958 | -£8,900 |
| Year 5 | £11,224 | £4,805 | £8,190 | £0 | £0 | -£1,771 | -£10,671 |
Rent by the room upside
What we verified
3207
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▾
EPCPostcode estimate — check the registerNot stated on the listing
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 37.2%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,638
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£10,671
Acquisition costs
25% deposit£42,000
Stamp duty£8,400
Refurb£11,960
Legal + survey£1,700
Mortgage + broker£3,520
Cash needed£67,580
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 fantastic opportunity to acquire this two-bedroom detached bungalow, offering excellent potential for modernisation and ideal for those looking to create a home tailored to their own taste. Perfectly suited to downsizers or first-time buyers, this property provides a great foundation with flexible living space. Originally built as a three-bedroom property, the current owners have thoughtfully reconfigured the layout to incorporate a separate dining room. The original door f…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice