7.42% return before costs — verify the rent + comps locally.
Why it works
7.42% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
EPC F — MEES (Minimum Energy Efficiency Standards) blocker by 2030 · ~£10,000–£20,000 upgrade cost
Monthly profit −£296/mo — significantly negative — real recurring drain
-6.4% 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
−£296/mo
You top up £296/mo
Price vs market
Above comparable sales
+10% vs 12 sold
Return · IRR
-6.4%/yr
Loses money over 5 years
Cash to get in
£56K
Deposit + fees + refurb
Price £130KReturn before costson price7.42%5-yr return on cash -27%Rent est. £801 (£695–£923)
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).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
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: £695–£923/mo · n=53
Financing
DepositYour cash in — the rest is the mortgage25% · £32,375
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£8,970–£16,744 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,125 loan + £1,000 booking fee
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.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
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 history79d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Council lease wins — -£257/mo · £38/mo ahead of Rent it out
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
7.42%
-£296
£55,843
-26.7%
Low
Feasible
Housing-benefit rent
4.86%
-£559
£55,843
-55.7%
Med
Feasible
⭐ Council lease
7.42%
-£257
£55,843
-25.9%
Low
Feasible
Refurb & refinance
7.42%
-£296
£67,102
-22.2%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£412
£154,809
0%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Kirklees · cap £524/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Kirklees
LHA monthly cap:
£524
Scheme type:
none
Premium:
+900% 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 impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£469/mo cash flow vs Rent it out if converted to Rent by the room
22.24% Return before costs on price converted vs 7.42% as-is
As-is Rent it out
Monthly profit-£59
Return before costson price7.42%
Cash needed£44,273
If converted to Rent by the room
Monthly profit+£411
Return before costson price22.24%
Cash needed£60,273
Δ vs Rent it outMonthly profit+£469
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
£54,600
Range: £48,300 – £63,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,026–£77,700full refurb + room split
⚠️ Capped at 60% of £129,500 asking (£77,700). Raw model: £48,300–£89,300. Verify with a surveyor before offering.
What's in this cost
Kitchen£7,831–£15,662
1 × bathroom£5,221–£9,571
Rewire£3,132–£5,482
Replumb£2,349–£4,699
Windows£7,831–£14,096
Paint + decor£6,265–£10,963
Flooring£9,397–£17,228
Comparables
sold within 0.5 mi
Wide · CV 17.9%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
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
Brambles Primary Academy
Primary · Free schools · HD1 5BU
Good
Birkby Infant and Nursery School
Primary · Community school · HD1 5HQ
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£3,549/yr kept
Annual gross rent£9,612
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£3,549
Exit costs
-£14,928 after CGT
Projected sale price (5y · 2%/yr growth)£142,978
Capital gain (pre-CGT)£13,478
Sale costs (~2.5%)£3,574
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 profitafter CGT-£14,928
Rates as of Oct 2024
Acquisition costs
£55,843cash needed
Purchase price£129,500
Deposit (25%)£32,375
Stamp duty+5% additional-property surcharge£6,565
Refurb£11,960
Legal + survey£2,000
Mortgage fees£2,943
Total cash neededdeposit + costs (loan covers the rest)£55,843
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Whitegates have the pleasure of offering this beautiful 2 bedroomed first-floor apartment. Benefitting from a stunning setting within private grounds close to Huddersfield town centre.
Bremen House is located in a private off road setting close to Huddersfield Town Centre, offering quick access to the train station and local amenities. The M62 is just a short drive away offering quick connections to Leeds, Bradford, Halifax, and Manchester.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.42% Return before costs — above-market
Energy rating F — Min. energy standard blocker by 2030 (~£10,000–£20,000 upgrade)
Price
£130K
10% above sold comps
Return before costs
7.42%
est rent £801/monot enough comparablesRange £695–£923/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
F
MEES (Minimum Energy Efficiency Standards) blocker by 2030 ~£10,000–£20,000 upgrade
Deal flags1 issue
EPC F — MEES blocker
Cannot be let on a new tenancy without upgrade to E (current) / C (2030)
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
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: £695–£923/mo · n=53
Financing
DepositYour cash in — the rest is the mortgage25% · £32,375
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£8,970–£16,744 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,125 loan + £1,000 booking fee
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Wide · CV 17.9%Med confidence
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,263
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£14,928
Acquisition costs
£56K
25% deposit£32,375
Stamp duty£6,565
Refurb£11,960
Legal + survey£2,000
Mortgage + broker£2,943
Cash needed£55,843
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyZoopla
Whitegates have the pleasure of offering this beautiful 2 bedroomed first-floor apartment. Benefitting from a stunning setting within private grounds close to Huddersfield town centre.
Bremen House is located in a private off road setting close to Huddersfield Town Centre, offering quick access to the train station and local amenities. The M62 is just a short drive away offering quick connections to Leeds, Bradford, Halifax, and Manchester.