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Year 5 disposal
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60/ 100
Solid
Real 10.16% Rent by the room return before costs with manageable risks.
Why it works
- 10.2% Rent by the room return before costs (net 5.57% after CapEx + bills) — conversion play
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£112/mo — mildly negative — equity build may cover
- -2.2% 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
−£112/mo
You top up £112/mo
Price
£290K
No local sold comps to compare
Return · IRR
-2.2%/yr
Loses money over 5 years
Cash to get in
£126K
Deposit + fees + refurb
Return before costs on price · Rent by the room 10.16%5-yr return on cash 1%Rent est. £1,612 (£1,415–£1,836)
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: £1,415–£1,836/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · £72,488
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 (£14,093–£26,307 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £217,462.5 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£112
after mortgage, operating costs & tax
Rent in£1,612/mo gross
£1,550/mo collected · £62/mo lost to voids
Where it goes
£1,178Mortgage£484Costs
Outgoings exceed rent — you top up £112/mo
Mortgage£1,178
Costs£484
Management£161
Maintenance£100
Insurance£28
CapEx reserve£81
Voids + council tax£10
Ltd co. accounts£104
Tax—
Shortfall−£112
Returns
Return before costs on price6.67%
Cash return on cash-1.06%
Gross margin£1,066
Cash needed£126,072
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.32
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 | £19,344 | £5,806 | £14,135 | £0 | £0 | -£597 | -£597 |
| Year 2 | £19,924 | £5,980 | £14,135 | £0 | £0 | -£191 | -£788 |
| Year 3 | £20,522 | £6,160 | £14,135 | £0 | £43 | £184 | -£604 |
| Year 4 | £21,138 | £6,344 | £14,135 | £0 | £125 | £533 | -£71 |
| Year 5 | £21,772 | £6,535 | £14,135 | £0 | £209 | £893 | £822 |
Disposal gain (gross)-£26,060
CGT£0
Net Disposal proceeds£312,125
What we verified
What we verified
60066 ok · 0 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
Council planning restrictionUnknown
Scottish Rent by the room licensingCouncil planning restriction not applicable
Article 4 Directions are an England-and-Wales planning instrument only. Scotland gates HMO conversion through the Mandatory HMO Licensing regime (Housing (Scotland) Act 2006).
Confirm your specific council's HMO licence conditions and policy density caps before offering. See the Scottish Government HMO guidance.
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
HeritageNot stated on the listing
Heritage& planning constraintsHES 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
Scotland uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileFamily let
Tenant profilelikely cohortAB15 8TL · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Aberdeen · 7.2 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 · 1195 sqft
£32k–£63k
£ per sqft
building cost only
£27–£52
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£8,365–£15,535
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£13,145–£25,095
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 history87d on marketno cuts yet
Strategy matrix
Council lease wins — -£40/mo · £72/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 6.67% | -£112 | £126,072 | 0.7% | Low | Feasible |
| Housing-benefit rent | 5.16% | -£491 | £126,072 | -16.5% | Med | Feasible |
| ⭐ Council lease | 6.67% | -£40 | £126,072 | 1.1% | Low | Feasible |
| Refurb & refinance | 6.67% | -£112 | £148,085 | 0.6% | Med | Feasible |
| Short-stay let / Airbnb | 2.78% | -£1,096 | £126,072 | -51.6% | High | Feasible |
| Buy, improve & sell | 0.00% | -£232 | £345,701 | 1% | Med | Feasible |
| Rent by the room | 10.16% | -£1,230 | £160,072 | -38.6% | — | Feasible |
Short-let (SA) context260 active short-lets nearby
Short-let market context
- 260 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £1,247/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Aberdeen and Shire
- LHA monthly cap:
- £1,247
- Scheme type:
- none
- Premium:
- +700% premium over LHA cap
- Typical lease:
- 0 years lease
- 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 let19% occupancy
£114/night ADR
Based on 16 short-let comps nearby
Rent by the room conversion upside
-£93/mo cash flow vs Rent it out if converted to Rent by the room
9.93% Return before costs on price converted vs 6.67% as-is
Room mix (4 lettable rooms)
3× Double @ £623/mo1× En-suite @ £583/mo
≈ £2,454/mo gross room income
As-is Rent it out
Monthly profit-£27
Return before costs on price6.67%
Cash needed£84,386
If converted to Rent by the room
Monthly profit-£120
Return before costs on price9.93%
Cash needed£100,386
Δ vs Rent it out Monthly profit-£93
Show conversion detail
Conversion cost estimate
£26,000
Range: £20,000 – £34,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£61,865–£115,855full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£4,780–£8,365
- Replumb£3,585–£7,170
- Windows£11,950–£21,510
- Paint + decor£8,365–£15,535
- Flooring£13,145–£25,095
Based on 80 HMO comps within 1.8 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£19,344
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,341
Exit costs
Projected sale price (5y · 2%/yr growth)£320,128
Capital gain (pre-CGT)£30,178
Sale costs (~2.5%)£8,003
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£822
Rates as of Oct 2024
Acquisition costs
£126,072cash neededPurchase price£289,950
Deposit (25%)£72,488
Stamp duty+8% Additional Dwelling Supplement (ADS)£27,294
Refurb£18,791
Legal + survey£2,150
Mortgage fees£5,349
Total cash neededdeposit + costs (loan covers the rest)£126,072
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
We are delighted to offer to the market, this very spacious and well designed four bedroom, detached family home in the exceptionally popular Aberdeen suburb of Kingswells. The freshly presented accommodation is set over two levels and combines open plan living spaces with four good sized bedrooms and also boasts a double integral garage. The property also benefits from gas central heating and double glazing and represents an excellent value family home. The property is vacan…
Floor plans
Listing metazoopla · Re/Max City & Shire
About this listing
87 days · ZooplaPrice history
5-year price trend
Monthly profit
−£112
Cash needed
£126K
Return after costs
-1.06%
IRR
-2.24%
Listed 87d ago
Corse Avenue, Kingswells AB15
detached · 4 bed · 2 bath · 1,195 sqft
£289,950
est £1,612 · 6.67% gross
EPC C
1 / 27
60/100
Solid
Real 10.16% — fundamentals work.
10.2% Rent by the room Return before costs — conversion play
Price
£290K
Return before costs (best)
10.16%
Rent by the room
Bedrooms
4
2 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: £1,415–£1,836/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · £72,488
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 (£14,093–£26,307 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £217,462.5 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£112
after mortgage, operating costs & tax
Rent in£1,612/mo gross
£1,550/mo collected · £62/mo lost to voids
Where it goes
£1,178Mortgage£484Costs
Outgoings exceed rent — you top up £112/mo
Mortgage£1,178
Costs£484
Management£161
Maintenance£100
Insurance£28
CapEx reserve£81
Voids + council tax£10
Ltd co. accounts£104
Tax—
Shortfall−£112
Returns
Return before costs on price6.67%
Cash return on cash-1.06%
Gross margin£1,066
Cash needed£126,072
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.32
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context260 active short-lets nearby
Short-let market context
- 260 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £1,247/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Aberdeen and Shire
- LHA monthly cap:
- £1,247
- Scheme type:
- none
- Premium:
- +700% premium over LHA cap
- Typical lease:
- 0 years lease
- 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 | £19,344 | £5,806 | £14,135 | £0 | £0 | -£597 | -£597 |
| Year 2 | £19,924 | £5,980 | £14,135 | £0 | £0 | -£191 | -£788 |
| Year 3 | £20,522 | £6,160 | £14,135 | £0 | £43 | £184 | -£604 |
| Year 4 | £21,138 | £6,344 | £14,135 | £0 | £125 | £533 | -£71 |
| Year 5 | £21,772 | £6,535 | £14,135 | £0 | £209 | £893 | £822 |
Rent by the room upside
What we verified
6006
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▾
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,827
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£822
Acquisition costs
25% deposit£72,488
Stamp duty£27,294
Refurb£18,791
Legal + survey£2,150
Mortgage + broker£5,349
Cash needed£126,072
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
We are delighted to offer to the market, this very spacious and well designed four bedroom, detached family home in the exceptionally popular Aberdeen suburb of Kingswells. The freshly presented accommodation is set over two levels and combines open plan living spaces with four good sized bedrooms and also boasts a double integral garage. The property also benefits from gas central heating and double glazing and represents an excellent value family home. The property is vacan…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice