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Year 5 disposal
BMV -24%
⊞ View all 10
44/ 100
Caution
7.55% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.55% return before costs — above-market
- Priced below market -24% vs 12 nearby sold (last 12 mo) — instant equity
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (139 yrs) — no short-lease drag
Why to be cautious
- Monthly profit −£44/mo — mildly negative — equity build may cover
- -0.4% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£44/mo
You top up £44/mo
Price vs market
Below market value
-24% vs 12 sold · interior unseen
Return · IRR
-0.4%/yr
Loses money over 5 years
Cash left in
£46K
Stays in after refinancing at value
Price £290KCash to buy £115KReturn before costs on price 7.55%5-yr return on cash 4%Rent est. £1,825 (£1,661–£2,005)
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: £1,661–£2,005/mo · n=85
Financing
DepositYour cash in — the rest is the mortgage25% · £72,500
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 (£12,080–£22,548 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £217,500 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
-£44
after mortgage, operating costs & tax
Rent in£1,825/mo gross
£1,755/mo collected · £70/mo lost to voids
Where it goes
£1,178Mortgage£621Costs
Outgoings exceed rent — you top up £44/mo
Mortgage£1,178
Costs£621
Management£183
Maintenance£67
Insurance£28
CapEx reserve£91
Voids + council tax£7
Service charge + ground rent£141
Ltd co. accounts£104
Tax—
Shortfall−£44
Returns
Return before costs on price7.55%
Cash return on cash-0.46%
Gross margin£1,134
Cash needed£115,481
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.49
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 | £21,900 | £7,447 | £14,138 | £0 | £60 | £256 | £256 |
| Year 2 | £22,557 | £7,670 | £14,138 | £0 | £142 | £608 | £864 |
| Year 3 | £23,234 | £7,900 | £14,138 | £0 | £227 | £969 | £1,833 |
| Year 4 | £23,931 | £8,137 | £14,138 | £0 | £315 | £1,341 | £3,174 |
| Year 5 | £24,649 | £8,381 | £14,138 | £0 | £405 | £1,725 | £4,899 |
Disposal gain (gross)-£15,452
CGT£0
Net Disposal proceeds£312,179
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
Leasehold139 yr
Leaseholdmaterial factsListing extract
Lease remaining
Mortgageable ≥80yr
139 yr
Extracted from listing description · verify with solicitor
Tenure & planning139 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
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
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 2RU · 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 · 667 sqft · London ×1.4
£25k–£48k
£ per sqft
building cost only
£37–£72
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£6,670–£12,006
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£9,338–£17,342
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history49d on marketno cuts yet
Strategy matrix
Rent it out wins — -£44/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 | 7.55% | -£44 | £115,481 | 4.2% | Low | Feasible |
| Housing-benefit rent | 5.36% | -£556 | £115,481 | -21.4% | Med | Feasible |
| Council lease | 0.00% | -£1,518 | £115,481 | -80.0% | Low | Feasible |
| Refurb & refinance | 7.55% | -£44 | £136,423 | 3.6% | Med | Feasible |
| Short-stay let / Airbnb | 5.97% | -£741 | £115,481 | -36.8% | High | Feasible |
| Buy, improve & sell | 0.00% | -£340 | £334,073 | 4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
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 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
£193/night ADR
Based on 48 short-let comps nearby
Rent by the room conversion upside
-£238/mo cash flow vs Rent it out if converted to Rent by the room
9.93% Return before costs on price converted vs 7.55% as-is
As-is Rent it out
Monthly profit+£118
Return before costs on price7.55%
Cash needed£84,398
If converted to Rent by the room
Monthly profit-£120
Return before costs on price9.93%
Cash needed£100,398
Δ vs Rent it out Monthly profit-£238
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
£46,988–£88,107full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£3,335–£6,003
- Replumb£2,668–£5,336
- Windows£7,337–£13,340
- Paint + decor£6,670–£12,006
- Flooring£9,338–£17,342
Comparables
sold within 0.5 miWide · CV 44.9%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- OutstandingLa Fontaine AcademyPrimary · Free schools · BR1 2SQ
- OutstandingSt George's, Bickley, Church of England Primary SchoolPrimary · Academy converter · BR1 2RL
- Not ratedBickley Park SchoolNot applicable · Other independent school · BR1 2DS
- Not ratedBreaside Preparatory SchoolNot applicable · Other independent school · BR1 2PR
- Not ratedBromley High School GDSTNot applicable · Other independent school · BR1 2TW
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£21,900
Section 24 credit£0
Annual tax due£60
Post-tax Monthly profit annual-£586
Exit costs
Projected sale price (5y · 2%/yr growth)£320,183
Capital gain (pre-CGT)£30,183
Sale costs (~2.5%)£8,005
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£4,899
Rates as of Oct 2024
Acquisition costs
£115,481cash neededPurchase price£290,000
Deposit (25%)£72,500
Stamp duty+5% additional-property surcharge£19,000
Refurb£16,106
Legal + survey£2,525
Mortgage fees£5,350
Total cash neededdeposit + costs (loan covers the rest)£115,481
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Heritage Property Agents are delighted to offer for sale this well-proportioned two-bedroom first floor maisonette, situated in a popular residential location in' 'Bromley, BR1.
Offering approximately 623 sq ft of living accommodation, this spacious property provides well-balanced rooms throughout and would make an excellent purchase for first-time buyers, couples, ' 'downsizers' 'or investors.
The accommodation comprises a generous entrance hallway with useful storage, lea…
Floor plans
Nearby active comparables20 rentals
Comparable rentals
BR1 · same beds + typeMedian nearby: £1,800/mo · 12 of 20 already let-£25 vs our est
- High Street, Bromley, BR12b£1,900/moMay 2026
- 16 North Street, Bromley BR1Let2b£1,575/moMay 2026
- London Road, Bromley BR12b£1,800/moMay 2026
- Widmore Road, Bromley, BR1Let2b£1,895/moMay 2026
- Ethelbert Close, Bromley, BR1Let2b£1,600/moMay 2026
- London Road, Bromley BR1Let2b£1,800/moMay 2026
- Morgan Road, Bromley, Kent, BR13QFLet2b£1,450/moMay 2026
- Burnt Ash Lane, Bromley2b£1,800/moMay 2026
- Plaistow Lane, Bromley, BR1Let2b£1,900/moMay 2026
- Sherman Road, Bromley BR12b£1,700/moMay 2026
- Plaistow Lane, Bromley, Kent, BR12b£1,900/moMay 2026
- London Road, Bromley, BR12b£1,800/moMay 2026
- Howard Road, Bromley, Kent, BR1 3QQ2b£1,575/moMay 2026
- Denbridge Road, Bromley, BR1Let2b£2,000/moMay 2026
- Tetty Way, Bromley, BR12b£1,650/moMay 2026
- Sundridge Park Mansion, BR1Let2b£2,500/moMay 2026
- The Laurels, Bromley, BR1Let2b£1,725/moMay 2026
- Tweedy Road, Bromley, BR1Let2b£2,500/moMay 2026
- Plaistow Lane, Bromley, BR1Let2b£1,900/moMay 2026
- Widmore Road Bromley BR1Let2b£1,695/moMay 2026
Other deals nearby
BR1 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Heritage Property Agents
About this listing
49 days · ZooplaPrice history
5-year price trend
Monthly profit
−£44
Cash needed
£115K
Return after costs
-0.46%
IRR
-0.41%
Listed 49d ago
Pembroke Road, Bromley, Kent BR1
flat · 2 bed · 1 bath · 667 sqft
£290,000
est £1,825 · 7.55% gross
Leasehold 139yrEPC C
Priced below market
1 / 10
44/100
Caution
7.55% — verify the rent + comps locally.
Priced below market -24% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.55% Return before costs — above-market
Price
£290K
24% below sold comps
Return before costs
7.55%
est rent £1,825/mo85 comps within 1 kmRange £1,661–£2,005/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
C
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: £1,661–£2,005/mo · n=85
Financing
DepositYour cash in — the rest is the mortgage25% · £72,500
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 (£12,080–£22,548 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £217,500 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
-£44
after mortgage, operating costs & tax
Rent in£1,825/mo gross
£1,755/mo collected · £70/mo lost to voids
Where it goes
£1,178Mortgage£621Costs
Outgoings exceed rent — you top up £44/mo
Mortgage£1,178
Costs£621
Management£183
Maintenance£67
Insurance£28
CapEx reserve£91
Voids + council tax£7
Service charge + ground rent£141
Ltd co. accounts£104
Tax—
Shortfall−£44
Returns
Return before costs on price7.55%
Cash return on cash-0.46%
Gross margin£1,134
Cash needed£115,481
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.49
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 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 | £21,900 | £7,447 | £14,138 | £0 | £60 | £256 | £256 |
| Year 2 | £22,557 | £7,670 | £14,138 | £0 | £142 | £608 | £864 |
| Year 3 | £23,234 | £7,900 | £14,138 | £0 | £227 | £969 | £1,833 |
| Year 4 | £23,931 | £8,137 | £14,138 | £0 | £315 | £1,341 | £3,174 |
| Year 5 | £24,649 | £8,381 | £14,138 | £0 | £405 | £1,725 | £4,899 |
Rent by the room upside
What we verified
5206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining139 yr
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
Service chargeReduces net yield£1,396/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 44.9%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,828
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£4,899
Acquisition costs
25% deposit£72,500
Stamp duty£19,000
Refurb£16,106
Legal + survey£2,525
Mortgage + broker£5,350
Cash needed£115,481
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
Heritage Property Agents are delighted to offer for sale this well-proportioned two-bedroom first floor maisonette, situated in a popular residential location in' 'Bromley, BR1.
Offering approximately 623 sq ft of living accommodation, this spacious property provides well-balanced rooms throughout and would make an excellent purchase for first-time buyers, couples, ' 'downsizers' 'or investors.
The accommodation comprises a generous entrance hallway with useful storage, lea…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice