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Year 5 disposal
⊞ View all 11
0/ 100
Weak
5.50% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£507/mo — heavily negative — needs monthly capital injection
- -4.9% 5y IRR — capital outlay disproportionate to returns
- 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
−£507/mo
You top up £507/mo
Price
£370K
No local sold comps to compare
Return · IRR
-4.9%/yr
Loses money over 5 years
Cash to get in
£139K
Deposit + fees + refurb
Return before costs on price 5.50%5-yr return on cash -16%Rent est. £1,697 (£1,553–£1,854)
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: £1,553–£1,854/mo · n=130
Financing
DepositYour cash in — the rest is the mortgage25% · £92,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £277,500 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
-£507
after mortgage, operating costs & tax
Rent in£1,697/mo gross
£1,632/mo collected · £65/mo lost to voids
Where it goes
£1,503Mortgage£636Costs
Outgoings exceed rent — you top up £507/mo
Mortgage£1,503
Costs£636
Management£170
Maintenance£67
Insurance£28
CapEx reserve£85
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£507
Returns
Return before costs on price5.50%
Cash return on cash-4.37%
Gross margin£996
Cash needed£139,339
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
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 | £20,364 | £7,632 | £18,038 | £0 | £0 | -£5,306 | -£5,306 |
| Year 2 | £20,975 | £7,861 | £18,038 | £0 | £0 | -£4,924 | -£10,229 |
| Year 3 | £21,604 | £8,097 | £18,038 | £0 | £0 | -£4,530 | -£14,759 |
| Year 4 | £22,252 | £8,340 | £18,038 | £0 | £0 | -£4,125 | -£18,884 |
| Year 5 | £22,920 | £8,590 | £18,038 | £0 | £0 | -£3,708 | -£22,592 |
Disposal gain (gross)-£11,992
CGT£0
Net Disposal proceeds£398,297
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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
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 cohortRH1 4BZ · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 29.6 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 · 2-bath · 810 sqft
£25k–£49k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
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 history45d on marketno cuts yet
Strategy matrix
Rent it out wins — -£507/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 | 5.50% | -£507 | £139,339 | -16.2% | Low | Feasible |
| Housing-benefit rent | 3.56% | -£1,066 | £139,339 | -40.9% | Med | Feasible |
| Council lease | 3.56% | -£835 | £139,339 | -34.2% | Low | Feasible |
| Refurb & refinance | 5.50% | -£507 | £162,145 | -13.9% | Med | Feasible |
| Short-stay let / Airbnb | 0.76% | -£1,850 | £139,339 | -80.3% | High | Feasible |
| Buy, improve & sell | 0.00% | -£374 | £414,595 | 6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Crawley & Reigate · cap £1,097/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Crawley & Reigate
- LHA monthly cap:
- £1,097
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 let10% occupancy
£78/night ADR
Based on 3 short-let comps nearby
Rent by the room conversion upside
-£162/mo cash flow vs Rent it out if converted to Rent by the room
7.78% Return before costs on price converted vs 5.50% as-is
As-is Rent it out
Monthly profit-£271
Return before costs on price5.50%
Cash needed£104,398
If converted to Rent by the room
Monthly profit-£433
Return before costs on price7.78%
Cash needed£120,398
Δ vs Rent it out Monthly profit-£162
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
£40,000
Range: £34,000 – £48,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,390–£90,830full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
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 & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodCarrington SchoolSecondary · Academy converter · RH1 4AD
- Not ratedThe Hawthorns SchoolNot applicable · Other independent school · RH1 4QJ
- Not ratedBletchingley Village Primary SchoolPrimary · Academy converter · RH1 4PP
- Not ratedNutfield Church CofE Primary SchoolPrimary · Voluntary aided school · RH1 4JJ
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£20,364
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£6,089
Exit costs
Projected sale price (5y · 2%/yr growth)£408,510
Capital gain (pre-CGT)£38,510
Sale costs (~2.5%)£10,213
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-£22,592
Rates as of Oct 2024
Acquisition costs
£139,339cash neededPurchase price£370,000
Deposit (25%)£92,500
Stamp duty+5% additional-property surcharge£27,000
Refurb£10,764
Legal + survey£2,525
Mortgage fees£6,550
Total cash neededdeposit + costs (loan covers the rest)£139,339
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary coming soon, register your interest today! A beautifully presented two-bedroom apartment within the highly desirable Founders Quarter, combining spacious open-plan living, high-quality finishes and a peaceful setting close to everything you need.
Description This impressive two-bedroom apartment is part of Founders Quarter, a carefully designed development created for contemporary living. The property boasts a bright and spacious open-plan layout, enhanced by abundan…
Floor plans
Listing metazoopla · Connells - Redhill
About this listing
45 days · ZooplaPrice history
5-year price trend
Monthly profit
−£507
Cash needed
£139K
Return after costs
-4.37%
IRR
-4.85%
Listed 45d ago
Founders Quarter, Redhill RH1
flat · 2 bed · 2 bath
£370,000
est £1,697 · 5.50% gross
1 / 11
0/100
Marginal
5.50% — verify the rent + comps locally.
5.50% Return before costs — around the area average for this property type.
Monthly profit −£507/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£370K
Return before costs
5.50%
est rent £1,697/mo130 comps within 1 kmRange £1,553–£1,854/mo (Q1–Q3)
Bedrooms
2
2 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: £1,553–£1,854/mo · n=130
Financing
DepositYour cash in — the rest is the mortgage25% · £92,500
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £277,500 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
-£507
after mortgage, operating costs & tax
Rent in£1,697/mo gross
£1,632/mo collected · £65/mo lost to voids
Where it goes
£1,503Mortgage£636Costs
Outgoings exceed rent — you top up £507/mo
Mortgage£1,503
Costs£636
Management£170
Maintenance£67
Insurance£28
CapEx reserve£85
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£507
Returns
Return before costs on price5.50%
Cash return on cash-4.37%
Gross margin£996
Cash needed£139,339
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context243 active short-lets nearby
Short-let market context
- 243 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Crawley & Reigate · cap £1,097/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Crawley & Reigate
- LHA monthly cap:
- £1,097
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £20,364 | £7,632 | £18,038 | £0 | £0 | -£5,306 | -£5,306 |
| Year 2 | £20,975 | £7,861 | £18,038 | £0 | £0 | -£4,924 | -£10,229 |
| Year 3 | £21,604 | £8,097 | £18,038 | £0 | £0 | -£4,530 | -£14,759 |
| Year 4 | £22,252 | £8,340 | £18,038 | £0 | £0 | -£4,125 | -£18,884 |
| Year 5 | £22,920 | £8,590 | £18,038 | £0 | £0 | -£3,708 | -£22,592 |
Rent by the room upside
What we verified
2307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,608
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£22,592
Acquisition costs
25% deposit£92,500
Stamp duty£27,000
Refurb£10,764
Legal + survey£2,525
Mortgage + broker£6,550
Cash needed£139,339
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
Summary coming soon, register your interest today! A beautifully presented two-bedroom apartment within the highly desirable Founders Quarter, combining spacious open-plan living, high-quality finishes and a peaceful setting close to everything you need.
Description This impressive two-bedroom apartment is part of Founders Quarter, a carefully designed development created for contemporary living. The property boasts a bright and spacious open-plan layout, enhanced by abundan…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice