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Year 5 disposal
⊞ View all 13
4/ 100
Weak
5.43% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Monthly profit −£398/mo — significantly negative — real recurring drain
- -3.0% 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
−£398/mo
You top up £398/mo
Price
£500K
No local sold comps to compare
Return · IRR
-3.0%/yr
Loses money over 5 years
Cash to get in
£197K
Deposit + fees + refurb
Return before costs on price 5.43%5-yr return on cash -6%Rent est. £2,263 (£2,210–£2,317)
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: £2,210–£2,317/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · £125,000
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 (£15,663–£29,238 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £375,000 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 £400K+
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£398
after mortgage, operating costs & tax
Rent in£2,263/mo gross
£2,176/mo collected · £87/mo lost to voids
Where it goes
£2,031Mortgage£543Costs
Outgoings exceed rent — you top up £398/mo
Mortgage£2,031
Costs£543
Management£226
Maintenance£50
Insurance£40
CapEx reserve£113
Voids + council tax£9
Ltd co. accounts£104
Tax—
Shortfall−£398
Returns
Return before costs on price5.43%
Cash return on cash-2.42%
Gross margin£1,633
Cash needed£197,284
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.07
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 | £27,156 | £6,515 | £24,375 | £0 | £0 | -£3,734 | -£3,734 |
| Year 2 | £27,971 | £6,710 | £24,375 | £0 | £0 | -£3,115 | -£6,849 |
| Year 3 | £28,810 | £6,912 | £24,375 | £0 | £0 | -£2,477 | -£9,325 |
| Year 4 | £29,674 | £7,119 | £24,375 | £0 | £0 | -£1,820 | -£11,145 |
| Year 5 | £30,564 | £7,333 | £24,375 | £0 | £0 | -£1,143 | -£12,289 |
Disposal gain (gross)-£25,545
CGT£0
Net Disposal proceeds£538,239
What we verified
What we verified
51065 ok · 1 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
Conversion approvability
Per-property planning assessment
Likely approvable81% likely
Confidence: medium
- Article 4 direction applies — planning permission required for C3->C4 HMO
- concentration ~1.0% within 100m (1 known HMOs) — below the 10% threshold
- local council HMO approval rate 81% (588 decisions)
- NOTE: council HMO concentration policy not curated — the modal English policy (10% within 100m) is shown as an indication, not this council's adopted threshold
- NO licensed-HMO register published by this council — the count below reflects granted planning decisions only and materially understates actual HMO density
Rent by the room concentration nearby
≈1.0% within 100 m vs 10% policy
1 known HMO within 100 m
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
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 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
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 cohortOX2 0HX · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Oxford · 2 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 · 1044 sqft
£29k–£57k
£ per sqft
building cost only
£28–£55
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£7,308–£13,572
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£11,484–£21,924
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 history56d on marketno cuts yet
Strategy matrix
Rent it out wins — -£398/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 | 5.43% | -£398 | £197,284 | -6.2% | Low | Feasible |
| Housing-benefit rent | 3.17% | -£1,249 | £197,284 | -33.2% | Med | Feasible |
| Council lease | 3.17% | -£970 | £197,284 | -27.5% | Low | Feasible |
| Refurb & refinance | 5.43% | -£398 | £230,638 | -5.3% | Med | Feasible |
| Short-stay let / Airbnb | 5.97% | -£885 | £197,284 | -24.5% | High | Feasible |
| Buy, improve & sell | 0.00% | -£194 | £572,138 | 5% | Med | Feasible |
| Rent by the room | 5.59% | -£2,019 | £223,284 | -49.0% | — | Feasible |
Short-let (SA) context390 active short-lets nearby
Short-let market context
- 390 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,321/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,321
- Scheme type:
- nominee
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 let55% occupancy
£149/night ADR
Based on 24 short-let comps nearby
Rent by the room conversion upside
-£621/mo cash flow vs Rent it out if converted to Rent by the room
5.76% Return before costs on price converted vs 5.43% as-is
Room mix (3 lettable rooms)
1× Double @ £795/mo1× Single @ £651/mo1× En-suite @ £882/mo
≈ £2,328/mo gross room income
As-is Rent it out
Monthly profit-£320
Return before costs on price5.43%
Cash needed£136,898
If converted to Rent by the room
Monthly profit-£940
Return before costs on price5.76%
Cash needed£152,898
Δ vs Rent it out Monthly profit-£621
Show conversion detail
Conversion cost estimate
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 81% likely
medium confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- concentration ~1.0% within 100m (1 known HMOs) — below the 10% threshold
- local council HMO approval rate 81% (588 decisions)
1 known HMO within 100 m · ≈1.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
£69,336–£123,894full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 2 × bathroom£13,500–£24,750
- Rewire£5,220–£8,352
- Replumb£4,176–£7,308
- Windows£11,484–£19,836
- Paint + decor£10,440–£17,748
- Flooring£14,616–£26,100
Based on 1190 HMO comps within 3.7 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
Houses in Multiple Occupation Article 4 Direction
1 known HMO within 100 m · ≈1.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodNorth Hinksey Church of England Primary SchoolPrimary · Academy converter · OX2 0LZ
- Not ratedWest Oxford Community Primary SchoolPrimary · Community school · OX2 0BY
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£27,156
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£4,778
Exit costs
Projected sale price (5y · 2%/yr growth)£552,040
Capital gain (pre-CGT)£52,040
Sale costs (~2.5%)£13,801
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-£12,289
Rates as of Oct 2024
Acquisition costs
£197,284cash neededPurchase price£500,000
Deposit (25%)£125,000
Stamp duty+5% additional-property surcharge£40,000
Refurb£20,884
Legal + survey£2,900
Mortgage fees£8,500
Total cash neededdeposit + costs (loan covers the rest)£197,284
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Rarely available - An opportunity to acquire a period residence with river frontage situated within walking distance of the train station.
This Victorian house is situated in a no through road within close proximity of the city centre and has a c. 60 ft garden backing onto Bulstake Stream.
Offered to the market with no onward chain and requiring updating, providing “blank canvas potential” and the opportunity to improve/modernize.
Accommodation over 2 floors comprising an…
Floor plans
Listing metazoopla · Chamberlain Evans
About this listing
56 days · ZooplaPrice history
5-year price trend
Monthly profit
−£398
Cash needed
£197K
Return after costs
-2.42%
IRR
-3.00%
Listed 56d ago
Duke Street, Oxford OX2
terraced · 3 bed · 2 bath · 1,044 sqft
£500,000
est £2,263 · 5.43% gross
EPC D
1 / 13
4/100
Marginal
5.43% — verify the rent + comps locally.
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£500K
Return before costs
5.43%
est rent £2,263/monot enough comparablesRange £2,210–£2,317/mo (Q1–Q3)
Bedrooms
3
2 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: £2,210–£2,317/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · £125,000
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 (£15,663–£29,238 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £375,000 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 £400K+
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£398
after mortgage, operating costs & tax
Rent in£2,263/mo gross
£2,176/mo collected · £87/mo lost to voids
Where it goes
£2,031Mortgage£543Costs
Outgoings exceed rent — you top up £398/mo
Mortgage£2,031
Costs£543
Management£226
Maintenance£50
Insurance£40
CapEx reserve£113
Voids + council tax£9
Ltd co. accounts£104
Tax—
Shortfall−£398
Returns
Return before costs on price5.43%
Cash return on cash-2.42%
Gross margin£1,633
Cash needed£197,284
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.07
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context390 active short-lets nearby
Short-let market context
- 390 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,321/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,321
- Scheme type:
- nominee
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 | £27,156 | £6,515 | £24,375 | £0 | £0 | -£3,734 | -£3,734 |
| Year 2 | £27,971 | £6,710 | £24,375 | £0 | £0 | -£3,115 | -£6,849 |
| Year 3 | £28,810 | £6,912 | £24,375 | £0 | £0 | -£2,477 | -£9,325 |
| Year 4 | £29,674 | £7,119 | £24,375 | £0 | £0 | -£1,820 | -£11,145 |
| Year 5 | £30,564 | £7,333 | £24,375 | £0 | £0 | -£1,143 | -£12,289 |
Rent by the room upside
What we verified
5106
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▾
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
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£4,875
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£12,289
Acquisition costs
25% deposit£125,000
Stamp duty£40,000
Refurb£20,884
Legal + survey£2,900
Mortgage + broker£8,500
Cash needed£197,284
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
Rarely available - An opportunity to acquire a period residence with river frontage situated within walking distance of the train station.
This Victorian house is situated in a no through road within close proximity of the city centre and has a c. 60 ft garden backing onto Bulstake Stream.
Offered to the market with no onward chain and requiring updating, providing “blank canvas potential” and the opportunity to improve/modernize.
Accommodation over 2 floors comprising an…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice