-4.1% 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
−£71/mo
You top up £71/mo
Price vs market
Above comparable sales
+38% vs 12 sold
Return · IRR
-4.1%/yr
Loses money over 5 years
Cash to get in
£33K
Deposit + fees + refurb
Price £53KReturn before costson price · Guaranteed council rent21.34%5-yr return on cash -7%Rent est. £631 (£600–£664)
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: £600–£664/mo · n=78
Financing
DepositYour cash in — the rest is the mortgage25% · £13,125
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 (£8,742–£16,318 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £39,375 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.
Total cash neededdeposit + costs (loan covers the rest)£32,769
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Our latest listing is a 2-bedroom flat located in Balnagask Circle. It is in close proximity to valuable amenities, is able to generate rewarding rental returns and has a tenant currently situated.
For investors looking to expand their portfolio, this is a fantastic opportunity!
This well-kept home features 2 bedrooms, lounge, bathroom and kitchen and shared front and back garden spaces.
Investment details
It currently produces an annual gross income of £8,640 with tenant…
21.34% Council strategy — market rent unverified, verify locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
14.42% Return before costs — above-market
Price
£53K
38% above sold comps
Return before costs (best)
21.34%
Council
Bedrooms
2
1 bath
Energy rating
C
Energy rating
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: £600–£664/mo · n=78
Financing
DepositYour cash in — the rest is the mortgage25% · £13,125
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 (£8,742–£16,318 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £39,375 loan + £1,000 booking fee
Short-let (SA) context284 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
284 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £648/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Aberdeen and Shire
LHA monthly cap:
£648
Scheme type:
none
Premium:
+700% premium over LHA cap
Typical lease:
0 years lease
Management:
landlord pays agent (typical 10%)
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
£7,572
£5,578
£2,559
£0
£0
-£566
-£566
Year 2
£7,799
£5,746
£2,559
£0
£0
-£506
-£1,072
Year 3
£8,033
£5,918
£2,559
£0
£0
-£444
-£1,516
Year 4
£8,274
£6,096
£2,559
£0
£0
-£381
-£1,897
Year 5
£8,522
£6,278
£2,559
£0
£0
-£315
-£2,212
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
4206
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingC
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Wide · CV 49.5%Med confidence
Loading nearby sold…
Location & transport
Score 30/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£512
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£2,212
Acquisition costs
£33K
25% deposit£13,125
Stamp duty£4,200
Refurb£11,656
Legal + survey£2,000
Mortgage + broker£1,788
Cash needed£32,769
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Our latest listing is a 2-bedroom flat located in Balnagask Circle. It is in close proximity to valuable amenities, is able to generate rewarding rental returns and has a tenant currently situated.
For investors looking to expand their portfolio, this is a fantastic opportunity!
This well-kept home features 2 bedrooms, lounge, bathroom and kitchen and shared front and back garden spaces.
Investment details
It currently produces an annual gross income of £8,640 with tenant…