Skip to main contenthow this is calculated →
Year 5 disposal
BMV -34%
⊞ View all 12
55/ 100
Caution
11.80% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£634/mo from completion — the no.1 reason to invest
- 11.80% return before costs — above-market
- Priced below market -34% vs 12 nearby sold (last 12 mo) — instant equity
- 6.8% 5y IRR — strong total return on capital
Why to be cautious
- Leasehold 85yr — verify at solicitor
- 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
+£634/mo
Pays you every month, net of costs
Price vs market
Below market value
-34% vs 12 sold · interior unseen
Return · IRR
6.8%/yr
Modest annualised return
Cash left in
£4K
Stays in after refinancing at value
Price £300KCash to buy £120KReturn before costs on price 11.80%5-yr return on cash 42%Rent est. £2,949 (£2,507–£3,469)
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: £2,507–£3,469/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · £75,000
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 (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £225,000 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
+£634
after mortgage, operating costs & tax
Rent in£2,949/mo gross
£2,836/mo collected · £113/mo lost to voids
Where it goes
£1,219Mortgage£834Costs£634Your profit
£634/mo left as profit · 22% of rent kept
Mortgage£1,219
Costs£834
Management£295
Maintenance£67
Insurance£28
CapEx reserve£147
Voids + council tax£3
Service charge + ground rent£160
Ltd co. accounts£104
Selective licensing£29
Tax£149
Profit+£634
Returns
Return before costs on price11.80%
Cash return on cash6.36%
Gross margin£2,002
Cash needed£119,769
Monthly profit payback15y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.33
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 | £35,388 | £10,004 | £14,625 | £0 | £2,044 | £8,715 | £8,715 |
| Year 2 | £36,450 | £10,304 | £14,625 | £0 | £2,189 | £9,331 | £18,046 |
| Year 3 | £37,543 | £10,613 | £14,625 | £0 | £2,338 | £9,967 | £28,013 |
| Year 4 | £38,669 | £10,932 | £14,625 | £0 | £2,491 | £10,622 | £38,634 |
| Year 5 | £39,830 | £11,260 | £14,625 | £0 | £2,649 | £11,296 | £49,930 |
Disposal gain (gross)-£16,325
CGT£0
Net Disposal proceeds£322,944
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
Leasehold85 yr
Tenure & planning85 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
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
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 cohortSW11 2DU · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 3.2 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 · 945 sqft · London ×1.4
£32k–£60k
£ per sqft
building cost only
£33–£64
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£9,450–£17,010
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£13,230–£24,570
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 history86d on marketno cuts yet
Strategy matrix
Refurb & refinance wins — +£658/mo · £24/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 | 11.80% | +£634 | £119,769 | 41.7% | Low | Feasible |
| Housing-benefit rent | 6.78% | -£325 | £119,769 | -6.6% | Med | Feasible |
| Council lease | 6.78% | +£12 | £119,769 | 3.7% | Low | Feasible |
| ⭐ Refurb & refinance | 11.80% | +£658 | £141,467 | 36.4% | Med | Feasible |
| Short-stay let / Airbnb | 13.44% | +£252 | £119,769 | 16.7% | High | Feasible |
| Buy, improve & sell | 0.00% | -£359 | £345,967 | 4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context264 active short-lets nearby
Short-let market context
- 264 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Inner South West London · cap £1,695/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Inner South West London
- LHA monthly cap:
- £1,695
- 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 let25% occupancy
£448/night ADR
Based on 13 short-let comps nearby
Rent by the room conversion upside
-£984/mo cash flow vs Rent it out if converted to Rent by the room
9.60% Return before costs on price converted vs 11.80% as-is
As-is Rent it out
Monthly profit+£825
Return before costs on price11.80%
Cash needed£86,898
If converted to Rent by the room
Monthly profit-£159
Return before costs on price9.60%
Cash needed£102,898
Δ vs Rent it out Monthly profit-£984
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
£61,600
Range: £53,200 – £72,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£59,220–£110,625full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£4,725–£8,505
- Replumb£3,780–£7,560
- Windows£10,395–£18,900
- Paint + decor£9,450–£17,010
- Flooring£13,230–£24,570
Comparables
sold within 0.5 miWide · CV 28.1%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodARK John Archer Primary AcademyPrimary · Academy converter · SW11 2AA
- GoodFalconbrook Primary SchoolPrimary · Community school · SW11 2LX
- GoodSacred Heart Catholic Primary School, BatterseaPrimary · Voluntary aided school · SW11 2TD
- Not ratedThames Christian SchoolNot applicable · Other independent school · SW11 2FR
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£35,388
Section 24 credit£0
Annual tax due£2,044
Post-tax Monthly profit annual£7,354
Exit costs
Projected sale price (5y · 2%/yr growth)£331,224
Capital gain (pre-CGT)£31,224
Sale costs (~2.5%)£8,281
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£49,930
Rates as of Oct 2024
Acquisition costs
£119,769cash neededPurchase price£300,000
Deposit (25%)£75,000
Stamp duty+5% additional-property surcharge£20,000
Refurb£16,744
Legal + survey£2,525
Mortgage fees£5,500
Total cash neededdeposit + costs (loan covers the rest)£119,769
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary A well-presented ground floor two bedroom flat set within the popular purpose-built Stevenson House, ideally located in Battersea. The property has been modernised throughout and offers generous, well-balanced accommodation, making it an excellent option for first-time buyers, upsizers or investors.
Description A well-presented ground floor two bedroom flat set within the popular purpose built Stevenson House, ideally located in Battersea, SW11. The property has been…
Floor plans
Listing metazoopla · Barnard Marcus - Battersea
About this listing
86 days · ZooplaPrice history
5-year price trend
Monthly profit
+£634
Cash needed
£120K
Return after costs
6.36%
IRR
6.76%
Listed 86d ago
Latchmere Road, London SW11
flat · 2 bed · 1 bath
£300,000
est £2,949 · 11.80% gross
Leasehold 85yr
Priced below market
1 / 12
55/100
Caution
11.80% — verify the rent + comps locally.
Priced below market -34% vs 12 nearby sold (last 12 mo)
Monthly profit +£634/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
11.80% Return before costs — above-market
Lease 85 yrs — extend before exit
Price
£300K
34% below sold comps
Return before costs
11.80%
est rent £2,949/mo67 comps within 500 mRange £2,507–£3,469/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: £2,507–£3,469/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · £75,000
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 (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £225,000 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
+£634
after mortgage, operating costs & tax
Rent in£2,949/mo gross
£2,836/mo collected · £113/mo lost to voids
Where it goes
£1,219Mortgage£834Costs£634Your profit
£634/mo left as profit · 22% of rent kept
Mortgage£1,219
Costs£834
Management£295
Maintenance£67
Insurance£28
CapEx reserve£147
Voids + council tax£3
Service charge + ground rent£160
Ltd co. accounts£104
Selective licensing£29
Tax£149
Profit+£634
Returns
Return before costs on price11.80%
Cash return on cash6.36%
Gross margin£2,002
Cash needed£119,769
Monthly profit payback15y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.33
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context264 active short-lets nearby
Short-let market context
- 264 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Inner South West London · cap £1,695/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Inner South West London
- LHA monthly cap:
- £1,695
- 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 | £35,388 | £10,004 | £14,625 | £0 | £2,044 | £8,715 | £8,715 |
| Year 2 | £36,450 | £10,304 | £14,625 | £0 | £2,189 | £9,331 | £18,046 |
| Year 3 | £37,543 | £10,613 | £14,625 | £0 | £2,338 | £9,967 | £28,013 |
| Year 4 | £38,669 | £10,932 | £14,625 | £0 | £2,491 | £10,622 | £38,634 |
| Year 5 | £39,830 | £11,260 | £14,625 | £0 | £2,649 | £11,296 | £49,930 |
Rent by the room upside
What we verified
3307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining85 yr
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
Service chargeReduces net yield£1,620/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 miWide · CV 28.1%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,925
Annual rental tax£1,786
CGT yr 5£0 · company level
5y net total£49,930
Acquisition costs
25% deposit£75,000
Stamp duty£20,000
Refurb£16,744
Legal + survey£2,525
Mortgage + broker£5,500
Cash needed£119,769
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
Summary A well-presented ground floor two bedroom flat set within the popular purpose-built Stevenson House, ideally located in Battersea. The property has been modernised throughout and offers generous, well-balanced accommodation, making it an excellent option for first-time buyers, upsizers or investors.
Description A well-presented ground floor two bedroom flat set within the popular purpose built Stevenson House, ideally located in Battersea, SW11. The property has been…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice