9.55% return before costs — verify the rent + comps locally.
Why it works
9.55% return before costs — above-market
Priced below market -25% vs 12 nearby sold (last 12 mo) — instant equity
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
Auction lot — bridging-only finance, 28-day completion
Tenure not stated — confirm freehold/leasehold and any lease term before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£119/mo
Barely breaks even each month
Price vs market
Below market value
-25% vs 12 sold · interior unseen
Return · IRR
2.0%/yr
Modest annualised return
Cash left in
£35K
Stays in after refinancing at value
Price £220KCash to buy £91KReturn before costson price9.55%5-yr return on cash 15%Rent est. £1,751 (£1,659–£1,848)
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: £1,659–£1,848/mo · n=121
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
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 (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £165,000 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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)£90,944
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Strapline
Auction Sale - 18/08/2026 - To book viewings, view the legal pack and register to bid please refer to the full sales particulars on the Savills Auctions website. -
A two bedroom split level flat over the second and third floors, presented in clean decorative order, well located for the amenities of Bromley. Vacant.
Description
A two bedroom split level flat over the second and third floors.
Priced below market -25% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.55% Return before costs — above-market
Energy rating F — Min. energy standard blocker by 2030 (~£10,000–£20,000 upgrade)
Price
£220K
25% below sold comps
Return before costs
9.55%
est rent £1,751/mo121 comps within 1 kmRange £1,659–£1,848/mo (Q1–Q3)
Bedrooms
2
— bath
Energy rating
F
MEES (Minimum Energy Efficiency Standards) blocker by 2030 ~£10,000–£20,000 upgrade
Deal flags2 issues
EPC F — MEES blocker
Cannot be let on a new tenancy without upgrade to E (current) / C (2030)
Auction
Guide price — assume +20-30% in the room
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: £1,659–£1,848/mo · n=121
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
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 (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £165,000 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Short-let (SA) context406 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
406 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
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
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
£21,012
£7,710
£10,725
£0
£490
£2,087
£2,087
Year 2
£21,642
£7,941
£10,725
£0
£565
£2,411
£4,498
Year 3
£22,292
£8,179
£10,725
£0
£644
£2,743
£7,242
Year 4
£22,960
£8,425
£10,725
£0
£724
£3,087
£10,328
Year 5
£23,649
£8,677
£10,725
£0
£807
£3,440
£13,768
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
13 total
1417
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeUnknown
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPC~£10,000–£20,000 to upgrade to CF
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 profile3▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Wide · CV 26.0%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£2,145
Annual rental tax£336
CGT yr 5£0 · company level
5y net total£13,768
Acquisition costs
£91K
25% deposit£55,000
Stamp duty£12,900
Refurb£16,744
Legal + survey£2,000
Mortgage + broker£4,300
Cash needed£90,944
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Strapline
Auction Sale - 18/08/2026 - To book viewings, view the legal pack and register to bid please refer to the full sales particulars on the Savills Auctions website. -
A two bedroom split level flat over the second and third floors, presented in clean decorative order, well located for the amenities of Bromley. Vacant.
Description
A two bedroom split level flat over the second and third floors.