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Year 5 disposal
BMV -8%
⊞ View all 44
39/ 100
Weak
8.07% Rent by the room return before costs — verify the rent + comps locally.
Why it works
- Priced below market -8% vs 12 nearby sold (last 12 mo) — instant equity
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£293/mo — significantly negative — real recurring drain
- -1.9% 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
−£293/mo
You top up £293/mo
Price vs market
Below market value
-8% vs 12 sold · interior unseen
Return · IRR
-1.9%/yr
Loses money over 5 years
Cash left in
£134K
Stays in after refinancing at value
Price £280KCash to buy £154KReturn before costs on price · Rent by the room 8.07%5-yr return on cash -7%Rent est. £1,401 (£1,214–£1,617)
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 21 Sep 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: £1,214–£1,617/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £70,000
Standard 75% LTV for BTL
Mortgage rate5y fixed6.1%
5-year fixed at 75% LTV — 6.05% (as of 2026-09-21).
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 (£43,892–£81,932 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £210,000 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£293
after mortgage, operating costs & tax
Rent in£1,401/mo gross
£1,347/mo collected · £54/mo lost to voids
Where it goes
£1,191Mortgage£449Costs
Outgoings exceed rent — you top up £293/mo
Mortgage£1,191
Costs£449
Management£140
Maintenance£100
Insurance£28
CapEx reserve£70
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£293
Returns
Return before costs on price6.00%
Cash return on cash-2.28%
Gross margin£898
Cash needed£153,873
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.18
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 | £16,812 | £5,390 | £14,291 | £0 | £0 | -£2,868 | -£2,868 |
| Year 2 | £17,316 | £5,551 | £14,291 | £0 | £0 | -£2,526 | -£5,394 |
| Year 3 | £17,836 | £5,718 | £14,291 | £0 | £0 | -£2,173 | -£7,567 |
| Year 4 | £18,371 | £5,890 | £14,291 | £0 | £0 | -£1,809 | -£9,376 |
| Year 5 | £18,922 | £6,066 | £14,291 | £0 | £0 | -£1,435 | -£10,810 |
Disposal gain (gross)-£57,259
CGT£0
Net Disposal proceeds£301,414
What we verified
What we verified
60066 ok · 0 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 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
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 cohortPE7 1BX · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Cambridge · 42.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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
3-bed · 1-bath · 1087 sqft
£27k–£52k
£ per sqft
building cost only
£25–£48
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£7,609–£14,131
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£11,957–£22,827
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Check council
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 history78d on marketno cuts yet
Strategy matrix
Rent it out wins — -£293/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 | 6.00% | -£293 | £153,873 | -7.0% | Low | Feasible |
| Housing-benefit rent | 3.46% | -£828 | £153,873 | -28.8% | Med | Feasible |
| Council lease | 0.00% | -£1,423 | £153,873 | -56.0% | Low | Feasible |
| Refurb & refinance | 6.00% | -£293 | £191,282 | -5.7% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £382,082 | -11% | Med | Feasible |
| Rent by the room | 8.07% | -£1,309 | £183,873 | -37.8% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
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
Rent by the room conversion upside
+£79/mo cash flow vs Rent it out if converted to Rent by the room
10.29% Return before costs on price converted vs 6.00% as-is
Room mix (3 lettable rooms)
3× Double @ £628/mo
≈ £1,883/mo gross room income
As-is Rent it out
Monthly profit-£160
Return before costs on price6.00%
Cash needed£81,898
If converted to Rent by the room
Monthly profit-£81
Return before costs on price10.29%
Cash needed£97,898
Δ vs Rent it out Monthly profit+£79
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£52,385–£98,385full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£4,348–£7,609
- Replumb£3,261–£6,522
- Windows£10,870–£19,566
- Paint + decor£7,609–£14,131
- Flooring£11,957–£22,827
Based on 4 HMO comps within 348 m
Comparables
sold within 0.5 miWide · CV 27.3%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodNew Road Primary & Nursery SchoolPrimary · Academy converter · PE7 1SZ
- Not ratedAlderman Jacobs SchoolPrimary · Academy converter · PE7 1XJ
- Not ratedPark Lane Primary & Nursery SchoolPrimary · Academy converter · PE7 1JB
- Not ratedSir Harry Smith Community CollegeSecondary · Academy converter · PE7 1XB
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£16,812
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,515
Exit costs
Projected sale price (5y · 2%/yr growth)£309,143
Capital gain (pre-CGT)£29,143
Sale costs (~2.5%)£7,729
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-£10,810
Rates as of Oct 2024
Acquisition costs
£153,873cash neededPurchase price£280,000
Deposit (25%)£70,000
Stamp duty+5% additional-property surcharge£18,000
Refurb£58,523
Legal + survey£2,150
Mortgage fees£5,200
Total cash neededdeposit + costs (loan covers the rest)£153,873
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
£280,000 - £295,000 (Guide Price) Tucked away within a peaceful cul-de-sac just a short walk from the heart of Whittlesey, this beautifully modernised detached home offers an increasingly rare combination of privacy, convenience and move-in-ready accommodation. Hidden from the bustle of everyday life yet only moments from independent shops, cafés, schools and riverside walks, it is a home that quietly makes life that little bit easier.
Extensively updated throughout, the pro…
Floor plans
Listing metazoopla · Frank Modern Estate Agents
About this listing
78 days · ZooplaPrice history
5-year price trend
Monthly profit
−£293
Cash needed
£154K
Return after costs
-2.28%
IRR
-1.88%
Listed 78d ago
St. Andrews Place, Whittlesey PE7
detached · 3 bed · 1 bath · 1,087 sqft
£280,000
est £1,401 · 6.00% gross
EPC C
Priced below market
1 / 44
39/100
Marginal
8.07% — verify the rent + comps locally.
Priced below market -8% vs 12 nearby sold (last 12 mo)
Price
£280K
8% below sold comps
Return before costs (best)
8.07%
Rent by the room
Bedrooms
3
1 bath
Energy rating
C
Energy rating
Run the numbers
What-if calculator
Rates as of 21 Sep 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: £1,214–£1,617/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £70,000
Standard 75% LTV for BTL
Mortgage rate5y fixed6.1%
5-year fixed at 75% LTV — 6.05% (as of 2026-09-21).
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 (£43,892–£81,932 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £210,000 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£293
after mortgage, operating costs & tax
Rent in£1,401/mo gross
£1,347/mo collected · £54/mo lost to voids
Where it goes
£1,191Mortgage£449Costs
Outgoings exceed rent — you top up £293/mo
Mortgage£1,191
Costs£449
Management£140
Maintenance£100
Insurance£28
CapEx reserve£70
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£293
Returns
Return before costs on price6.00%
Cash return on cash-2.28%
Gross margin£898
Cash needed£153,873
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.18
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
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 | £16,812 | £5,390 | £14,291 | £0 | £0 | -£2,868 | -£2,868 |
| Year 2 | £17,316 | £5,551 | £14,291 | £0 | £0 | -£2,526 | -£5,394 |
| Year 3 | £17,836 | £5,718 | £14,291 | £0 | £0 | -£2,173 | -£7,567 |
| Year 4 | £18,371 | £5,890 | £14,291 | £0 | £0 | -£1,809 | -£9,376 |
| Year 5 | £18,922 | £6,066 | £14,291 | £0 | £0 | -£1,435 | -£10,810 |
Rent by the room upside
What we verified
6006
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 27.3%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,858
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£10,810
Acquisition costs
25% deposit£70,000
Stamp duty£18,000
Refurb£58,523
Legal + survey£2,150
Mortgage + broker£5,200
Cash needed£153,873
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
£280,000 - £295,000 (Guide Price) Tucked away within a peaceful cul-de-sac just a short walk from the heart of Whittlesey, this beautifully modernised detached home offers an increasingly rare combination of privacy, convenience and move-in-ready accommodation. Hidden from the bustle of everyday life yet only moments from independent shops, cafés, schools and riverside walks, it is a home that quietly makes life that little bit easier.
Extensively updated throughout, the pro…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice