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Year 5 disposal
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Weak
7.92% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- EPC E — must hit C by 2030 (~£6,000–£12,000)
- Monthly profit −£214/mo — significantly negative — real recurring drain
- -1.6% 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
−£214/mo
You top up £214/mo
Price
£600K
No local sold comps to compare
Return · IRR
-1.6%/yr
Loses money over 5 years
Cash to get in
£240K
Deposit + fees + refurb
Return before costs on price · Rent by the room 7.92%5-yr return on cash 1%Rent est. £3,014 (£3,004–£3,024)
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: £3,004–£3,024/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £150,000
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 (£20,294–£37,883 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £450,000 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£214
after mortgage, operating costs & tax
Rent in£3,014/mo gross
£2,898/mo collected · £116/mo lost to voids
Where it goes
£2,438Mortgage£674Costs
Outgoings exceed rent — you top up £214/mo
Mortgage£2,438
Costs£674
Management£301
Maintenance£67
Insurance£40
CapEx reserve£151
Voids + council tax£11
Ltd co. accounts£104
Tax—
Shortfall−£214
Returns
Return before costs on price6.03%
Cash return on cash-1.07%
Gross margin£2,224
Cash needed£239,959
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.19
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 | £36,168 | £8,091 | £29,250 | £0 | £0 | -£1,173 | -£1,173 |
| Year 2 | £37,253 | £8,333 | £29,250 | £0 | £0 | -£330 | -£1,503 |
| Year 3 | £38,371 | £8,583 | £29,250 | £0 | £102 | £435 | -£1,068 |
| Year 4 | £39,522 | £8,841 | £29,250 | £0 | £272 | £1,159 | £91 |
| Year 5 | £40,707 | £9,106 | £29,250 | £0 | £447 | £1,904 | £1,995 |
Disposal gain (gross)-£34,072
CGT£0
Net Disposal proceeds£645,887
What we verified
What we verified
51065 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
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 ratingE
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand E
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£6k–£12k
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 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 profileFamily let
Tenant profilelikely cohortOX2 9NT · 5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Oxford · 6.3 km
Reason
5-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
5-bed · 1-bath · 2012 sqft
£43k–£84k
£ per sqft
building cost only
£22–£42
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£14,084–£26,156
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£22,132–£42,252
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingMandatory
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Mandatory
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 history85d on marketno cuts yet
Strategy matrix
Rent it out wins — -£214/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 | 6.03% | -£214 | £239,959 | 0.8% | Low | Feasible |
| Housing-benefit rent | 3.49% | -£1,356 | £239,959 | -28.7% | Med | Feasible |
| Council lease | 3.49% | -£991 | £239,959 | -22.5% | Low | Feasible |
| Refurb & refinance | 6.03% | -£214 | £280,783 | 0.7% | Med | Feasible |
| Short-stay let / Airbnb | 4.77% | -£1,402 | £239,959 | -33.2% | High | Feasible |
| Buy, improve & sell | 0.00% | -£211 | £690,783 | 4% | Med | Feasible |
| Rent by the room | 7.92% | -£2,177 | £289,959 | -37.9% | — | Feasible |
Short-let (SA) context487 active short-lets nearby
Short-let market context
- 487 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,745/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,745
- Scheme type:
- nominee
- 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 let55% occupancy
£143/night ADR
Based on 18 short-let comps nearby
Rent by the room conversion upside
-£1,230/mo cash flow vs Rent it out if converted to Rent by the room
4.80% Return before costs on price converted vs 6.03% as-is
Room mix (5 lettable rooms)
3× Double @ £806/mo1× Single @ £627/mo1× En-suite @ £919/mo
≈ £3,962/mo gross room income
As-is Rent it out
Monthly profit-£101
Return before costs on price6.03%
Cash needed£161,898
If converted to Rent by the room
Monthly profit-£1,331
Return before costs on price4.80%
Cash needed£177,898
Δ vs Rent it out Monthly profit-£1,230
Show conversion detail
Conversion cost estimate
£3,750
Range: £2,500 – £6,250
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£105,178–£185,087full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£10,060–£16,096
- Replumb£8,048–£14,084
- Windows£22,132–£38,228
- Paint + decor£20,120–£34,204
- Flooring£28,168–£50,300
Based on 70 HMO comps within 3.6 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score50 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
- Requires improvementBotley SchoolPrimary · Academy sponsor led · OX2 9JZ
- Not ratedCumnor Church of England School (Voluntary Controlled)Primary · Voluntary controlled school · OX2 9PQ
- Not ratedMatthew Arnold SchoolSecondary · Academy converter · OX2 9JE
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£36,168
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,564
Exit costs
Projected sale price (5y · 2%/yr growth)£662,448
Capital gain (pre-CGT)£62,448
Sale costs (~2.5%)£16,561
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£1,995
Rates as of Oct 2024
Acquisition costs
£239,959cash neededPurchase price£600,000
Deposit (25%)£150,000
Stamp duty+5% additional-property surcharge£50,000
Refurb£27,059
Legal + survey£2,900
Mortgage fees£10,000
Total cash neededdeposit + costs (loan covers the rest)£239,959
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Dating back to the 1700's is this semi-detached property steeped in history and character with original inglenook fireplaces and exposed timber beam ceilings. The property offers 2.012 sq ft of accommodation over two floors and is offered with immediate vacant possession and no forward chain.
The ground floor accommodation consists of a front door leading to a reception room (currently being used as a dining room) with an original inglenook fireplace, a second reception room…
Floor plans
Listing metazoopla · Chancellors - Botley
About this listing
85 days · ZooplaPrice history
5-year price trend
Monthly profit
−£214
Cash needed
£240K
Return after costs
-1.07%
IRR
-1.64%
Listed 85d ago
Cumnor Road, Filchampstead, Oxford OX2
semi-detached · 5 bed · 1 bath · 2,012 sqft
£600,000
est £3,014 · 6.03% gross
Chain freeEPC E
1 / 27
0/100
Marginal
7.92% Rent by the room strategy — market rent unverified, verify locally.
Energy rating E — Min. energy standard blocker by 2030 (~£6,000–£12,000 upgrade)
Chain free
Price
£600K
Return before costs (best)
7.92%
Rent by the room
Bedrooms
5
1 bath
Energy rating
E
MEES (Minimum Energy Efficiency Standards) blocker by 2030
~£6,000–£12,000 upgrade
~£6,000–£12,000 upgrade
Deal flags1 issue
EPC E — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £3,004–£3,024/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £150,000
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 (£20,294–£37,883 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £450,000 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£214
after mortgage, operating costs & tax
Rent in£3,014/mo gross
£2,898/mo collected · £116/mo lost to voids
Where it goes
£2,438Mortgage£674Costs
Outgoings exceed rent — you top up £214/mo
Mortgage£2,438
Costs£674
Management£301
Maintenance£67
Insurance£40
CapEx reserve£151
Voids + council tax£11
Ltd co. accounts£104
Tax—
Shortfall−£214
Returns
Return before costs on price6.03%
Cash return on cash-1.07%
Gross margin£2,224
Cash needed£239,959
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.19
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context487 active short-lets nearby
Short-let market context
- 487 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,745/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,745
- Scheme type:
- nominee
- 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 | £36,168 | £8,091 | £29,250 | £0 | £0 | -£1,173 | -£1,173 |
| Year 2 | £37,253 | £8,333 | £29,250 | £0 | £0 | -£330 | -£1,503 |
| Year 3 | £38,371 | £8,583 | £29,250 | £0 | £102 | £435 | -£1,068 |
| Year 4 | £39,522 | £8,841 | £29,250 | £0 | £272 | £1,159 | £91 |
| Year 5 | £40,707 | £9,106 | £29,250 | £0 | £447 | £1,904 | £1,995 |
Rent by the room upside
What we verified
5016
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£6,000–£12,000 to upgrade to CE
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 heuristicRent by the room / sharers
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£5,850
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£1,995
Acquisition costs
25% deposit£150,000
Stamp duty£50,000
Refurb£27,059
Legal + survey£2,900
Mortgage + broker£10,000
Cash needed£239,959
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
Dating back to the 1700's is this semi-detached property steeped in history and character with original inglenook fireplaces and exposed timber beam ceilings. The property offers 2.012 sq ft of accommodation over two floors and is offered with immediate vacant possession and no forward chain.
The ground floor accommodation consists of a front door leading to a reception room (currently being used as a dining room) with an original inglenook fireplace, a second reception room…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice