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Year 5 disposal
⊞ View all 5
0/ 100
Weak
5.18% return before costs — verify the rent + comps locally.
Why it works
- EPC C — MEES compliant
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£577/mo — heavily negative — needs monthly capital injection
- -5.8% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£577/mo
You top up £577/mo
Price
£350K
No local sold comps to compare
Return · IRR
-5.8%/yr
Loses money over 5 years
Cash to get in
£131K
Deposit + fees + refurb
Return before costs on price 5.18%5-yr return on cash -21%Rent est. £1,511 (£1,410–£1,619)
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: £1,410–£1,619/mo · n=84
Financing
DepositYour cash in — the rest is the mortgage25% · £87,488
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 (£7,487–£13,975 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,462.5 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£577
after mortgage, operating costs & tax
Rent in£1,511/mo gross
£1,453/mo collected · £58/mo lost to voids
Where it goes
£1,422Mortgage£608Costs
Outgoings exceed rent — you top up £577/mo
Mortgage£1,422
Costs£608
Management£151
Maintenance£67
Insurance£28
CapEx reserve£76
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£577
Returns
Return before costs on price5.18%
Cash return on cash-5.27%
Gross margin£845
Cash needed£131,239
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.02
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 | £18,132 | £7,297 | £17,060 | £0 | £0 | -£6,225 | -£6,225 |
| Year 2 | £18,676 | £7,516 | £17,060 | £0 | £0 | -£5,900 | -£12,126 |
| Year 3 | £19,236 | £7,742 | £17,060 | £0 | £0 | -£5,566 | -£17,691 |
| Year 4 | £19,813 | £7,974 | £17,060 | £0 | £0 | -£5,221 | -£22,912 |
| Year 5 | £20,408 | £8,213 | £17,060 | £0 | £0 | -£4,866 | -£27,777 |
Disposal gain (gross)-£10,738
CGT£0
Net Disposal proceeds£376,714
What we verified
What we verified
33053 ok · 3 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- 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
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
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 cohortTW1 4NB · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 12.6 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
1-bed · 1-bath · 735 sqft · London ×1.4
£26k–£51k
£ per sqft
building cost only
£36–£70
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£7,350–£13,230
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,290–£19,110
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 history80d on marketno cuts yet
Strategy matrix
Rent it out wins — -£577/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 | 5.18% | -£577 | £131,239 | -21.2% | Low | Feasible |
| Housing-benefit rent | 4.10% | -£909 | £131,239 | -35.6% | Med | Feasible |
| Council lease | 4.10% | -£659 | £131,239 | -28.0% | Low | Feasible |
| Refurb & refinance | 5.18% | -£577 | £152,729 | -18.2% | Med | Feasible |
| Short-stay let / Airbnb | 5.04% | -£1,022 | £131,239 | -45.3% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £391,445 | 6% | 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 Outer South West London · cap £1,197/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South West London
- LHA monthly cap:
- £1,197
- Scheme type:
- leasing
- 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 let25% occupancy
£196/night ADR
Based on 4 short-let comps nearby
Rent by the room conversion upside
-£11/mo cash flow vs Rent it out if converted to Rent by the room
8.23% Return before costs on price converted vs 5.18% as-is
As-is Rent it out
Monthly profit-£344
Return before costs on price5.18%
Cash needed£99,386
If converted to Rent by the room
Monthly profit-£354
Return before costs on price8.23%
Cash needed£115,386
Δ vs Rent it out Monthly profit-£11
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
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 & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- Not ratedNewland House SchoolNot applicable · Other independent school · TW1 4TQ
- Not ratedRadnor HouseNot applicable · Other independent school · TW1 4QG
- Not ratedSt Catherine's SchoolNot applicable · Other independent school · TW1 4QJ
- Not ratedSt Mary's University, TwickenhamNot applicable · Higher education institutions · TW1 4SX
- Not ratedStrathmore SchoolNot applicable · Academy special converter · TW1 4DQ
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£18,132
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£6,923
Exit costs
Projected sale price (5y · 2%/yr growth)£386,373
Capital gain (pre-CGT)£36,423
Sale costs (~2.5%)£9,659
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-£27,777
Rates as of Oct 2024
Acquisition costs
£131,239cash neededPurchase price£349,950
Deposit (25%)£87,488
Stamp duty+5% additional-property surcharge£24,995
Refurb£9,982
Legal + survey£2,525
Mortgage fees£6,249
Total cash neededdeposit + costs (loan covers the rest)£131,239
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A beautiful one bedroom first floor apartment located aptly just off Twickenham High Street. Benefitting from non allocated parking, and a separate office/ dressing room this property is not to be missed.
Heath Road is the high street running through the heart of the town centre and it offers a vast array of shops, pubs, café's and restaurants. Twickenham mainline station provides a fast train to London Waterloo and there are also various bus routes in and out of Twickenham…
Floor plans
Listing metazoopla · Dexters - Twickenham
About this listing
80 days · ZooplaPrice history
5-year price trend
Monthly profit
−£577
Cash needed
£131K
Return after costs
-5.27%
IRR
-5.77%
Listed 80d ago
Radnor Road, Twickenham TW1
flat · 1 bed · 1 bath
£349,950
est £1,511 · 5.18% gross
EPC C
1 / 5
0/100
Marginal
5.18% — verify the rent + comps locally.
5.18% Return before costs — around the area average for this property type.
Monthly profit −£577/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating C — Min. energy standard 2030 compliant.
Price
£350K
Return before costs
5.18%
est rent £1,511/mo84 comps within 1.5 kmRange £1,410–£1,619/mo (Q1–Q3)
Bedrooms
1
1 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: £1,410–£1,619/mo · n=84
Financing
DepositYour cash in — the rest is the mortgage25% · £87,488
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 (£7,487–£13,975 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,462.5 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£577
after mortgage, operating costs & tax
Rent in£1,511/mo gross
£1,453/mo collected · £58/mo lost to voids
Where it goes
£1,422Mortgage£608Costs
Outgoings exceed rent — you top up £577/mo
Mortgage£1,422
Costs£608
Management£151
Maintenance£67
Insurance£28
CapEx reserve£76
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£577
Returns
Return before costs on price5.18%
Cash return on cash-5.27%
Gross margin£845
Cash needed£131,239
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.02
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 Outer South West London · cap £1,197/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South West London
- LHA monthly cap:
- £1,197
- Scheme type:
- leasing
- 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 | £18,132 | £7,297 | £17,060 | £0 | £0 | -£6,225 | -£6,225 |
| Year 2 | £18,676 | £7,516 | £17,060 | £0 | £0 | -£5,900 | -£12,126 |
| Year 3 | £19,236 | £7,742 | £17,060 | £0 | £0 | -£5,566 | -£17,691 |
| Year 4 | £19,813 | £7,974 | £17,060 | £0 | £0 | -£5,221 | -£22,912 |
| Year 5 | £20,408 | £8,213 | £17,060 | £0 | £0 | -£4,866 | -£27,777 |
Rent by the room upside
What we verified
3306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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£3,412
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£27,777
Acquisition costs
25% deposit£87,488
Stamp duty£24,995
Refurb£9,982
Legal + survey£2,525
Mortgage + broker£6,249
Cash needed£131,239
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 beautiful one bedroom first floor apartment located aptly just off Twickenham High Street. Benefitting from non allocated parking, and a separate office/ dressing room this property is not to be missed.
Heath Road is the high street running through the heart of the town centre and it offers a vast array of shops, pubs, café's and restaurants. Twickenham mainline station provides a fast train to London Waterloo and there are also various bus routes in and out of Twickenham…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice