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Year 5 disposal
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86/ 100
Strong
Strong investment fundamentals.
Why it works
- 8.55% 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
- Leasehold 93yr — verify at solicitor
- Service charge unknown — could swing £100-300/mo
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£56/mo
Barely breaks even each month
Price
£240K
No local sold comps to compare
Return · IRR
1.0%/yr
Modest annualised return
Cash to get in
£89K
Deposit + fees + refurb
Return before costs on price 8.55%5-yr return on cash 11%Rent est. £1,710 (£1,506–£1,942)
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
Buy-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: £1,506–£1,942/mo · n=81
Financing
DepositYour cash in — the rest is the mortgage25% · £60,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£6,331–£11,817 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £180,000 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£56
after mortgage, operating costs & tax
Rent in£1,710/mo gross
£1,644/mo collected · £66/mo lost to voids
Where it goes
£938Mortgage£637Costs
£56/mo left as profit · 3% of rent kept
Mortgage£938
Costs£637
Management£171
Maintenance£67
Insurance£28
CapEx reserve£86
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax£13
Profit+£56
Returns
Return before costs on price8.55%
Cash return on cash0.76%
Gross margin£1,007
Cash needed£89,341
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.69
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 | £20,520 | £7,646 | £11,250 | £0 | £309 | £1,315 | £1,315 |
| Year 2 | £21,136 | £7,875 | £11,250 | £0 | £382 | £1,628 | £2,943 |
| Year 3 | £21,770 | £8,112 | £11,250 | £0 | £458 | £1,950 | £4,893 |
| Year 4 | £22,423 | £8,355 | £11,250 | £0 | £535 | £2,283 | £7,176 |
| Year 5 | £23,095 | £8,606 | £11,250 | £0 | £616 | £2,624 | £9,800 |
Disposal gain (gross)-£6,386
CGT£0
Net Disposal proceeds£258,355
What we verified
What we verified
33053 ok · 3 caution · 0 fail · 5 unknown
Legal & planning
Leasehold93 yr
Tenure & planning93 yr
Legal & planning
2 checks- TenureLeasehold
- 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
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 cohortOX2 0JY · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Oxford · 2.7 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 · 513 sqft
£16k–£33k
£ per sqft
building cost only
£32–£64
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£3,591–£6,669
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£5,643–£10,773
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
Short-stay let / Airbnb wins — +£96/mo · £40/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 | 8.55% | +£56 | £89,341 | 11.0% | Low | Feasible |
| Housing-benefit rent | 5.61% | -£480 | £89,341 | -24.2% | Med | Feasible |
| Council lease | 0.00% | -£1,312 | £89,341 | -89.6% | Low | Feasible |
| Refurb & refinance | 8.55% | +£56 | £104,717 | 9.4% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 11.92% | +£96 | £89,341 | 10.0% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £268,117 | 6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context487 active short-lets nearby
Short-let market context
- 487 active short-let listings in this postcode
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 let55% occupancy
£143/night ADR
Based on 18 short-let comps nearby
Rent by the room conversion upside
-£139/mo cash flow vs Rent it out if converted to Rent by the room
12.00% Return before costs on price converted vs 8.55% as-is
As-is Rent it out
Monthly profit+£200
Return before costs on price8.55%
Cash needed£71,898
If converted to Rent by the room
Monthly profit+£61
Return before costs on price12.00%
Cash needed£87,898
Δ vs Rent it out Monthly profit-£139
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
£39,222–£71,163full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£2,565–£4,104
- Replumb£2,052–£3,591
- Windows£5,643–£9,747
- Paint + decor£5,130–£8,721
- Flooring£7,182–£12,825
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 & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodNorth Hinksey Church of England Primary SchoolPrimary · Academy converter · OX2 0LZ
- Not ratedWest Oxford Community Primary SchoolPrimary · Community school · OX2 0BY
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£20,520
Section 24 credit£0
Annual tax due£309
Post-tax Monthly profit annual£526
Exit costs
Projected sale price (5y · 2%/yr growth)£264,979
Capital gain (pre-CGT)£24,979
Sale costs (~2.5%)£6,624
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£9,800
Rates as of Oct 2024
Acquisition costs
£89,341cash neededPurchase price£240,000
Deposit (25%)£60,000
Stamp duty+5% additional-property surcharge£14,300
Refurb£8,441
Legal + survey£2,000
Mortgage fees£4,600
Total cash neededdeposit + costs (loan covers the rest)£89,341
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
An opportunity to purchase a modern two double bedroom ground floor apartment offering approximately 515 sq ft of lateral accommodation.
Floor plans
Listing metazoopla · Chancellors - Botley
About this listing
87 days · ZooplaPrice history
5-year price trend
Monthly profit
+£56
Cash needed
£89K
Return after costs
0.76%
IRR
0.97%
Listed 87d ago
Yarnells Road, Oxford, Oxfordshire OX2
flat · 2 bed · 1 bath · 513 sqft
£240,000
est £1,710 · 8.55% gross
Leasehold 93yrEPC C
1 / 17
86/100
Strong
Real 8.55% — fundamentals work.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.55% Return before costs — above-market
Lease 93 yrs — extend before exit
Price
£240K
Return before costs
8.55%
est rent £1,710/mo81 comps within 1 kmRange £1,506–£1,942/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
C
Energy rating
Run the numbers
What-if calculator
Buy-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: £1,506–£1,942/mo · n=81
Financing
DepositYour cash in — the rest is the mortgage25% · £60,000
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£6,331–£11,817 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £180,000 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£56
after mortgage, operating costs & tax
Rent in£1,710/mo gross
£1,644/mo collected · £66/mo lost to voids
Where it goes
£938Mortgage£637Costs
£56/mo left as profit · 3% of rent kept
Mortgage£938
Costs£637
Management£171
Maintenance£67
Insurance£28
CapEx reserve£86
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax£13
Profit+£56
Returns
Return before costs on price8.55%
Cash return on cash0.76%
Gross margin£1,007
Cash needed£89,341
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.69
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context487 active short-lets nearby
Short-let market context
- 487 active short-let listings in this postcode
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 | £20,520 | £7,646 | £11,250 | £0 | £309 | £1,315 | £1,315 |
| Year 2 | £21,136 | £7,875 | £11,250 | £0 | £382 | £1,628 | £2,943 |
| Year 3 | £21,770 | £8,112 | £11,250 | £0 | £458 | £1,950 | £4,893 |
| Year 4 | £22,423 | £8,355 | £11,250 | £0 | £535 | £2,283 | £7,176 |
| Year 5 | £23,095 | £8,606 | £11,250 | £0 | £616 | £2,624 | £9,800 |
Rent by the room upside
What we verified
3306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining93 yr
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 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£2,250
Annual rental tax£159
CGT yr 5£0 · company level
5y net total£9,800
Acquisition costs
25% deposit£60,000
Stamp duty£14,300
Refurb£8,441
Legal + survey£2,000
Mortgage + broker£4,600
Cash needed£89,341
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
An opportunity to purchase a modern two double bedroom ground floor apartment offering approximately 515 sq ft of lateral accommodation.
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice