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Year 5 disposal
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76/ 100
Solid
9.88% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.63% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
- EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£19/mo
Barely breaks even each month
Price
£210K
No local sold comps to compare
Return · IRR
0.5%/yr
Modest annualised return
Cash to get in
£72K
Deposit + fees + refurb
Return before costs on price · Rent by the room 9.88%5-yr return on cash 9%Rent est. £1,335 (£1,254–£1,421)
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: £1,254–£1,421/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · £52,500
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 (£1,181–£2,205 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £157,500 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
+£19
after mortgage, operating costs & tax
Rent in£1,335/mo gross
£1,284/mo collected · £51/mo lost to voids
Where it goes
£853Mortgage£407Costs
£19/mo left as profit · 2% of rent kept
Mortgage£853
Costs£407
Management£134
Maintenance£67
Insurance£28
CapEx reserve£67
Voids + council tax£7
Ltd co. accounts£104
Tax£5
Profit+£19
Returns
Return before costs on price7.63%
Cash return on cash0.32%
Gross margin£877
Cash needed£72,125
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.50
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 | £16,020 | £4,878 | £10,238 | £0 | £172 | £733 | £733 |
| Year 2 | £16,501 | £5,024 | £10,238 | £0 | £235 | £1,004 | £1,736 |
| Year 3 | £16,996 | £5,175 | £10,238 | £0 | £301 | £1,282 | £3,018 |
| Year 4 | £17,505 | £5,330 | £10,238 | £0 | £368 | £1,570 | £4,588 |
| Year 5 | £18,031 | £5,490 | £10,238 | £0 | £438 | £1,865 | £6,453 |
Disposal gain (gross)£586
CGT£111
Net Disposal proceeds£225,950
What we verified
What we verified
41074 ok · 1 caution · 0 fail · 7 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 ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
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 cohortSK1 2JX · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Manchester · 8.3 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 · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
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 history60d on marketno cuts yet
Strategy matrix
Short-stay let / Airbnb wins — +£1,292/mo · £1,117/mo ahead of Council lease
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 7.63% | +£19 | £72,125 | 8.9% | Low | Feasible |
| Housing-benefit rent | 5.13% | -£390 | £72,125 | -24.0% | Med | Feasible |
| Council lease | 7.63% | +£175 | £72,125 | 19.0% | Low | Feasible |
| Refurb & refinance | 7.63% | +£19 | £83,255 | 7.8% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 25.83% | +£1,292 | £72,125 | 118.0% | High | Feasible |
| Buy, improve & sell | 0.00% | -£199 | £226,105 | 10% | Med | Feasible |
| Rent by the room | 9.88% | -£969 | £98,125 | -51.0% | — | Feasible |
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Southern Greater Manchester · cap £898/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Southern Greater Manchester
- LHA monthly cap:
- £898
- Scheme type:
- other
- Premium:
- +800% 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 impact
Local lettings demanddays-to-let · supply now · trend
Local lettings demandby strategyLive area data
Short-stay let79% occupancy
£189/night ADR
Based on 84 short-let comps nearby
Rent by the room conversion upside
+£107/mo cash flow vs Rent it out if converted to Rent by the room
13.71% Return before costs on price converted vs 7.63% as-is
Room mix (3 lettable rooms)
1× Double @ £583/mo1× Single @ £497/mo1× En-suite @ £649/mo
≈ £1,729/mo gross room income
As-is Rent it out
Monthly profit+£49
Return before costs on price7.63%
Cash needed£64,398
If converted to Rent by the room
Monthly profit+£156
Return before costs on price13.71%
Cash needed£80,398
Δ vs Rent it out Monthly profit+£107
Show conversion detail
Conversion cost estimate
£52,800
Range: £46,200 – £61,600
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£62,180–£116,810full refurb + room split
What's in this cost
- Kitchen£9,180–£18,360
- 2 × bathroom£12,300–£22,550
- Rewire£4,400–£7,700
- Replumb£3,300–£6,600
- Windows£11,000–£19,800
- Paint + decor£8,800–£16,500
- Flooring£13,200–£25,300
Based on 169 HMO comps within 4.7 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
- Not ratedVernon Park Primary SchoolPrimary · Community school · SK1 2NF
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£16,020
Section 24 credit£0
Annual tax due£172
Post-tax Monthly profit annual£116
Exit costs
Projected sale price (5y · 2%/yr growth)£231,857
Capital gain (pre-CGT)£21,857
Sale costs (~2.5%)£5,796
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£6,453
Rates as of Oct 2024
Acquisition costs
£72,125cash neededPurchase price£210,000
Deposit (25%)£52,500
Stamp duty+5% additional-property surcharge£12,200
Refurb£1,575
Legal + survey£1,700
Mortgage fees£4,150
Total cash neededdeposit + costs (loan covers the rest)£72,125
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Beautifully presented throughout and offered in move in ready condition, this spacious three-bedroom terraced home is an ideal purchase for first-time buyers, growing families or investors.
The accommodation comprises an entrance hall, a generous living room to the front along with a well-proportioned kitchen/diner, providing an excellent space for both everyday living and entertaining. A useful utility room is situated to the rear, offering additional storage and practicali…
Floor plans
Nearby active comparables2 rentals
Comparable rentals
SK1 · same beds + typeMedian nearby: £1,275/mo · 1 of 2 already let-£60 vs our est
- The Quadrant, StockportLet3b£1,250/moMay 2026
- Spinner Street, Stockport, SK13b£1,300/moMay 2026
Other deals nearby
SK1 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Bridgfords - Stockport Sales
About this listing
60 days · ZooplaPrice history
5-year price trend
Monthly profit
+£19
Cash needed
£72K
Return after costs
0.32%
IRR
0.48%
Listed 60d ago
Carrington Road, Stockport, Greater Manchester SK1
semi-detached · 3 bed
£210,000
est £1,335 · 7.63% gross
1 / 19
76/100
Solid
9.88% Rent by the room strategy — market rent unverified, verify locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.63% Return before costs — above-market
Price
£210K
Return before costs (best)
9.88%
Rent by the room
Bedrooms
3
— bath
Energy rating
—
Energy rating
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: £1,254–£1,421/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · £52,500
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 (£1,181–£2,205 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £157,500 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
+£19
after mortgage, operating costs & tax
Rent in£1,335/mo gross
£1,284/mo collected · £51/mo lost to voids
Where it goes
£853Mortgage£407Costs
£19/mo left as profit · 2% of rent kept
Mortgage£853
Costs£407
Management£134
Maintenance£67
Insurance£28
CapEx reserve£67
Voids + council tax£7
Ltd co. accounts£104
Tax£5
Profit+£19
Returns
Return before costs on price7.63%
Cash return on cash0.32%
Gross margin£877
Cash needed£72,125
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.50
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context325 active short-lets nearby
Short-let market context
- 325 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Southern Greater Manchester · cap £898/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Southern Greater Manchester
- LHA monthly cap:
- £898
- Scheme type:
- other
- Premium:
- +800% 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 | £16,020 | £4,878 | £10,238 | £0 | £172 | £733 | £733 |
| Year 2 | £16,501 | £5,024 | £10,238 | £0 | £235 | £1,004 | £1,736 |
| Year 3 | £16,996 | £5,175 | £10,238 | £0 | £301 | £1,282 | £3,018 |
| Year 4 | £17,505 | £5,330 | £10,238 | £0 | £368 | £1,570 | £4,588 |
| Year 5 | £18,031 | £5,490 | £10,238 | £0 | £438 | £1,865 | £6,453 |
Rent by the room upside
What we verified
4107
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▾
EPCPostcode estimate — check the registerNot stated on the listing
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,048
Annual rental tax£55
CGT yr 5£0 · company level
5y net total£6,453
Acquisition costs
25% deposit£52,500
Stamp duty£12,200
Refurb£1,575
Legal + survey£1,700
Mortgage + broker£4,150
Cash needed£72,125
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
Beautifully presented throughout and offered in move in ready condition, this spacious three-bedroom terraced home is an ideal purchase for first-time buyers, growing families or investors.
The accommodation comprises an entrance hall, a generous living room to the front along with a well-proportioned kitchen/diner, providing an excellent space for both everyday living and entertaining. A useful utility room is situated to the rear, offering additional storage and practicali…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice