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Year 5 disposal
BMV -27%
⊞ View all 20
100/ 100
Strong
Strong investment fundamentals.
Why it works
- 10.30% return before costs — above-market
- 11.2% Rent by the room return before costs (net 5.84% after CapEx + bills) — conversion play
- Priced below market -27% vs 4 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 D — must hit C by 2030 (~£3,000–£7,000)
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£64/mo
Barely breaks even each month
Price vs market
Below market value
-27% vs 4 sold · interior unseen
Return · IRR
0.3%/yr
Modest annualised return
Cash left in
£24K
Stays in after refinancing at value
Price £155KCash to buy £67KReturn before costs on price · Rent by the room 11.21%5-yr return on cash 13%Rent est. £1,330 (£1,259–£1,405)
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: £1,259–£1,405/mo · n=63
Financing
DepositYour cash in — the rest is the mortgage25% · £38,750
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 (£7,739–£14,445 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £116,250 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£64
after mortgage, operating costs & tax
Rent in£1,330/mo gross
£1,279/mo collected · £51/mo lost to voids
Where it goes
£630Mortgage£570Costs
£64/mo left as profit · 5% of rent kept
Mortgage£630
Costs£570
Management£133
Maintenance£67
Insurance£20
CapEx reserve£67
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax£15
Profit+£64
Returns
Return before costs on price10.30%
Cash return on cash1.14%
Gross margin£709
Cash needed£66,993
Monthly profit payback87y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.03
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 | £15,960 | £6,844 | £7,556 | £0 | £296 | £1,264 | £1,264 |
| Year 2 | £16,439 | £7,049 | £7,556 | £0 | £348 | £1,485 | £2,749 |
| Year 3 | £16,932 | £7,261 | £7,556 | £0 | £402 | £1,713 | £4,462 |
| Year 4 | £17,440 | £7,479 | £7,556 | £0 | £457 | £1,948 | £6,410 |
| Year 5 | £17,963 | £7,703 | £7,556 | £0 | £514 | £2,190 | £8,600 |
Disposal gain (gross)-£13,064
CGT£0
Net Disposal proceeds£166,854
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
Scottish Rent by the room licensingCouncil planning restriction not applicable
Article 4 Directions are an England-and-Wales planning instrument only. Scotland gates HMO conversion through the Mandatory HMO Licensing regime (Housing (Scotland) Act 2006).
Confirm your specific council's HMO licence conditions and policy density caps before offering. See the Scottish Government HMO guidance.
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
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 constraintsHES 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
Scotland uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileMixed demand
Tenant profilelikely cohortDD2 1AS · 3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Edinburgh · 58.2 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
3-bed · 1-bath · 581 sqft
£18k–£35k
£ per sqft
building cost only
£30–£60
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£4,067–£7,553
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,391–£12,201
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
Price & sale history32d on marketno cuts yet
Strategy matrix
Council lease wins — +£109/mo · £45/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 10.30% | +£64 | £66,993 | 12.8% | Low | Feasible |
| Housing-benefit rent | 6.14% | -£408 | £66,993 | -29.5% | Med | Feasible |
| ⭐ Council lease | 10.30% | +£109 | £66,993 | 13.2% | Low | Feasible |
| Refurb & refinance | 10.30% | +£64 | £78,870 | 10.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £184,045 | 1% | Med | Feasible |
| Rent by the room | 11.21% | -£973 | £92,993 | -56.4% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Dundee and Angus · cap £793/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Dundee and Angus
- LHA monthly cap:
- £793
- Scheme type:
- none
- 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
Rent by the room conversion upside
+£110/mo cash flow vs Rent it out if converted to Rent by the room
18.58% Return before costs on price converted vs 10.30% as-is
Room mix (3 lettable rooms)
1× Double @ £475/mo1× Single @ £414/mo1× En-suite @ £559/mo
≈ £1,448/mo gross room income
As-is Rent it out
Monthly profit+£219
Return before costs on price10.30%
Cash needed£50,648
If converted to Rent by the room
Monthly profit+£330
Return before costs on price18.58%
Cash needed£66,648
Δ vs Rent it out Monthly profit+£110
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£34,675–£65,495full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£2,324–£4,067
- Replumb£1,743–£3,486
- Windows£5,810–£10,458
- Paint + decor£4,067–£7,553
- Flooring£6,391–£12,201
Based on 1371 HMO comps within 1.7 km
Comparables
sold within 0.5 miTight · CV 1.5%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score50 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£15,960
Section 24 credit£0
Annual tax due£296
Post-tax Monthly profit annual£650
Exit costs
Projected sale price (5y · 2%/yr growth)£171,133
Capital gain (pre-CGT)£16,133
Sale costs (~2.5%)£4,278
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£8,600
Rates as of Oct 2024
Acquisition costs
£66,993cash neededPurchase price£155,000
Deposit (25%)£38,750
Stamp duty+8% Additional Dwelling Supplement (ADS)£12,600
Refurb£10,318
Legal + survey£2,000
Mortgage fees£3,325
Total cash neededdeposit + costs (loan covers the rest)£66,993
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
About This Property
Situated in the heart of Dundee's highly sought-after West End, this spacious three-bedroom first-floor tenement apartment offers an excellent opportunity for first-time buyers, professionals, investors and parents seeking accommodation for university-aged children.
Occupying a prime position on Perth Road, the property enjoys immediate access to a fantastic range of local amenities including cafés, restaurants, bars, independent shops and excellent tran…
Floor plans
Listing metazoopla · Dymock Properties Ltd
About this listing
32 days · ZooplaPrice history
5-year price trend
Monthly profit
+£64
Cash needed
£67K
Return after costs
1.14%
IRR
0.30%
Listed 32d ago
Perth Road, Dundee DD2
flat · 3 bed · 1 bath · 581 sqft
£155,000
est £1,330 · 10.30% gross
EPC D
Priced below market
1 / 20
100/100
Strong
Real 11.21% — fundamentals work.
Priced below market -27% vs 4 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.30% Return before costs — above-market
11.2% Rent by the room Return before costs — conversion play
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£155K
27% below sold comps
Return before costs (best)
11.21%
Rent by the room
Bedrooms
3
1 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: £1,259–£1,405/mo · n=63
Financing
DepositYour cash in — the rest is the mortgage25% · £38,750
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 (£7,739–£14,445 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £116,250 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£64
after mortgage, operating costs & tax
Rent in£1,330/mo gross
£1,279/mo collected · £51/mo lost to voids
Where it goes
£630Mortgage£570Costs
£64/mo left as profit · 5% of rent kept
Mortgage£630
Costs£570
Management£133
Maintenance£67
Insurance£20
CapEx reserve£67
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax£15
Profit+£64
Returns
Return before costs on price10.30%
Cash return on cash1.14%
Gross margin£709
Cash needed£66,993
Monthly profit payback87y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.03
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Dundee and Angus · cap £793/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Dundee and Angus
- LHA monthly cap:
- £793
- Scheme type:
- none
- 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 | £15,960 | £6,844 | £7,556 | £0 | £296 | £1,264 | £1,264 |
| Year 2 | £16,439 | £7,049 | £7,556 | £0 | £348 | £1,485 | £2,749 |
| Year 3 | £16,932 | £7,261 | £7,556 | £0 | £402 | £1,713 | £4,462 |
| Year 4 | £17,440 | £7,479 | £7,556 | £0 | £457 | £1,948 | £6,410 |
| Year 5 | £17,963 | £7,703 | £7,556 | £0 | £514 | £2,190 | £8,600 |
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 miTight · CV 1.5%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,511
Annual rental tax£180
CGT yr 5£0 · company level
5y net total£8,600
Acquisition costs
25% deposit£38,750
Stamp duty£12,600
Refurb£10,318
Legal + survey£2,000
Mortgage + broker£3,325
Cash needed£66,993
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
About This Property
Situated in the heart of Dundee's highly sought-after West End, this spacious three-bedroom first-floor tenement apartment offers an excellent opportunity for first-time buyers, professionals, investors and parents seeking accommodation for university-aged children.
Occupying a prime position on Perth Road, the property enjoys immediate access to a fantastic range of local amenities including cafés, restaurants, bars, independent shops and excellent tran…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice