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Year 5 disposal
⊞ View all 9
78/ 100
Solid
7.81% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.81% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (160 yrs) — no short-lease drag
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£72/mo
Barely breaks even each month
Price
£295K
No local sold comps to compare
Return · IRR
0.8%/yr
Modest annualised return
Cash to get in
£118K
Deposit + fees + refurb
Return before costs on price 7.81%5-yr return on cash 10%Rent est. £1,921 (£1,786–£2,066)
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: £1,786–£2,066/mo · n=159
Financing
DepositYour cash in — the rest is the mortgage25% · £73,750
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 £221,250 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
+£72
after mortgage, operating costs & tax
Rent in£1,921/mo gross
£1,847/mo collected · £74/mo lost to voids
Where it goes
£1,198Mortgage£560Costs
£72/mo left as profit · 4% of rent kept
Mortgage£1,198
Costs£560
Management£192
Maintenance£67
Insurance£28
CapEx reserve£96
Voids + council tax£7
Service charge + ground rent£66
Ltd co. accounts£104
Tax£17
Profit+£72
Returns
Return before costs on price7.81%
Cash return on cash0.73%
Gross margin£1,287
Cash needed£117,944
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.54
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 | £23,052 | £6,719 | £14,381 | £0 | £371 | £1,580 | £1,580 |
| Year 2 | £23,744 | £6,921 | £14,381 | £0 | £464 | £1,977 | £3,558 |
| Year 3 | £24,456 | £7,129 | £14,381 | £0 | £560 | £2,386 | £5,944 |
| Year 4 | £25,190 | £7,342 | £14,381 | £0 | £659 | £2,807 | £8,751 |
| Year 5 | £25,945 | £7,563 | £14,381 | £0 | £760 | £3,241 | £11,992 |
Disposal gain (gross)-£16,208
CGT£0
Net Disposal proceeds£317,561
What we verified
What we verified
42054 ok · 2 caution · 0 fail · 5 unknown
Legal & planning
Leasehold160 yr
Leaseholdmaterial factsListing extract
Lease remaining
Mortgageable ≥80yr
161 yr
Extracted from listing description · verify with solicitor
Tenure & planning160 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
Building condition
Energy ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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 cohortBR1 1HN · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 14.3 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 history71d on marketno cuts yet
Strategy matrix
Rent it out wins — +£72/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 | 7.81% | +£72 | £117,944 | 10.2% | Low | Feasible |
| Housing-benefit rent | 5.27% | -£501 | £117,944 | -17.9% | Med | Feasible |
| Council lease | 0.00% | -£1,464 | £117,944 | -75.3% | Low | Feasible |
| Refurb & refinance | 7.81% | +£72 | £139,392 | 8.6% | Med | Feasible |
| Short-stay let / Airbnb | 5.27% | -£776 | £117,944 | -37.9% | High | Feasible |
| Buy, improve & sell | 0.00% | -£265 | £340,467 | 4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context338 active short-lets nearby
Short-let market context
- 338 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer South East London · cap £1,296/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South East London
- LHA monthly cap:
- £1,296
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
£173/night ADR
Based on 25 short-let comps nearby
Rent by the room conversion upside
-£305/mo cash flow vs Rent it out if converted to Rent by the room
9.76% Return before costs on price converted vs 7.81% as-is
As-is Rent it out
Monthly profit+£165
Return before costs on price7.81%
Cash needed£85,648
If converted to Rent by the room
Monthly profit-£140
Return before costs on price9.76%
Cash needed£101,648
Δ vs Rent it out Monthly profit-£305
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 26.0%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£23,052
Section 24 credit£0
Annual tax due£371
Post-tax Monthly profit annual£694
Exit costs
Projected sale price (5y · 2%/yr growth)£325,704
Capital gain (pre-CGT)£30,704
Sale costs (~2.5%)£8,143
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£11,992
Rates as of Oct 2024
Acquisition costs
£117,944cash neededPurchase price£295,000
Deposit (25%)£73,750
Stamp duty+5% additional-property surcharge£19,500
Refurb£16,744
Legal + survey£2,525
Mortgage fees£5,425
Total cash neededdeposit + costs (loan covers the rest)£117,944
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Delightful Two-Bedroom Maisonette For Sale In The Heart Of Bromley
Chain free- Situated in the heart of Bromley, with Bromley South station on your doorstep, this delightful two-bedroom maisonette offers bright, well-proportioned accommodation in a highly sought-after location. The property features a spacious and light-filled living room, alongside a modern fitted kitchen with a range of sleek white wall and base units, providing ample storage and workspace. There are two b…
Floor plans
Listing metazoopla · Capital Bromley
About this listing
71 days · ZooplaPrice history
5-year price trend
Monthly profit
+£72
Cash needed
£118K
Return after costs
0.73%
IRR
0.77%
Listed 71d ago
Ravensbourne Road, Bromley, Kent BR1
flat · 2 bed · 1 bath
£295,000
est £1,921 · 7.81% gross
Chain freeLeasehold 160yrEPC D
1 / 9
78/100
Solid
7.81% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.81% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Chain free
Price
£295K
at sold-comp median
Return before costs
7.81%
est rent £1,921/mo159 comps within 500 mRange £1,786–£2,066/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £1,786–£2,066/mo · n=159
Financing
DepositYour cash in — the rest is the mortgage25% · £73,750
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 £221,250 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
+£72
after mortgage, operating costs & tax
Rent in£1,921/mo gross
£1,847/mo collected · £74/mo lost to voids
Where it goes
£1,198Mortgage£560Costs
£72/mo left as profit · 4% of rent kept
Mortgage£1,198
Costs£560
Management£192
Maintenance£67
Insurance£28
CapEx reserve£96
Voids + council tax£7
Service charge + ground rent£66
Ltd co. accounts£104
Tax£17
Profit+£72
Returns
Return before costs on price7.81%
Cash return on cash0.73%
Gross margin£1,287
Cash needed£117,944
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.54
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context338 active short-lets nearby
Short-let market context
- 338 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Outer South East London · cap £1,296/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Outer South East London
- LHA monthly cap:
- £1,296
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 | £23,052 | £6,719 | £14,381 | £0 | £371 | £1,580 | £1,580 |
| Year 2 | £23,744 | £6,921 | £14,381 | £0 | £464 | £1,977 | £3,558 |
| Year 3 | £24,456 | £7,129 | £14,381 | £0 | £560 | £2,386 | £5,944 |
| Year 4 | £25,190 | £7,342 | £14,381 | £0 | £659 | £2,807 | £8,751 |
| Year 5 | £25,945 | £7,563 | £14,381 | £0 | £760 | £3,241 | £11,992 |
Rent by the room upside
What we verified
4306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining160 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£3,000–£7,000 to upgrade to CD
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Service chargeReduces net yield£487/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 26.0%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,876
Annual rental tax£202
CGT yr 5£0 · company level
5y net total£11,992
Acquisition costs
25% deposit£73,750
Stamp duty£19,500
Refurb£16,744
Legal + survey£2,525
Mortgage + broker£5,425
Cash needed£117,944
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
Delightful Two-Bedroom Maisonette For Sale In The Heart Of Bromley
Chain free- Situated in the heart of Bromley, with Bromley South station on your doorstep, this delightful two-bedroom maisonette offers bright, well-proportioned accommodation in a highly sought-after location. The property features a spacious and light-filled living room, alongside a modern fitted kitchen with a range of sleek white wall and base units, providing ample storage and workspace. There are two b…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice