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Year 5 disposal
⊞ View all 7
12/ 100
Weak
6.18% Rent by the room return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£343/mo — significantly negative — real recurring drain
- -4.7% 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.
- 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
−£343/mo
You top up £343/mo
Price
£295K
No local sold comps to compare
Return · IRR
-4.7%/yr
Loses money over 5 years
Cash to get in
£126K
Deposit + fees + refurb
Return before costs on price · Rent by the room 6.18%5-yr return on cash -11%Rent est. £1,308 (£1,264–£1,354)
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: £1,264–£1,354/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £73,750
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 (£12,593–£23,506 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £221,250 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£343
after mortgage, operating costs & tax
Rent in£1,308/mo gross
£1,258/mo collected · £50/mo lost to voids
Where it goes
£1,198Mortgage£402Costs
Outgoings exceed rent — you top up £343/mo
Mortgage£1,198
Costs£402
Management£131
Maintenance£67
Insurance£28
CapEx reserve£65
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£343
Returns
Return before costs on price5.32%
Cash return on cash-3.26%
Gross margin£856
Cash needed£126,065
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.05
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 | £15,696 | £4,822 | £14,381 | £0 | £0 | -£3,508 | -£3,508 |
| Year 2 | £16,167 | £4,967 | £14,381 | £0 | £0 | -£3,181 | -£6,689 |
| Year 3 | £16,652 | £5,116 | £14,381 | £0 | £0 | -£2,845 | -£9,535 |
| Year 4 | £17,151 | £5,270 | £14,381 | £0 | £0 | -£2,499 | -£12,034 |
| Year 5 | £17,666 | £5,428 | £14,381 | £0 | £0 | -£2,143 | -£14,177 |
Disposal gain (gross)-£24,329
CGT£0
Net Disposal proceeds£317,561
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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 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 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 profileFamily let
Tenant profilelikely cohortG72 7XF · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 12.6 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 history30d on marketno cuts yet
Strategy matrix
Short-stay let / Airbnb wins — +£1,104/mo · £1,447/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 | 5.32% | -£343 | £126,065 | -11.2% | Low | Feasible |
| Housing-benefit rent | 2.90% | -£873 | £126,065 | -37.8% | Med | Feasible |
| Council lease | 2.90% | -£719 | £126,065 | -32.8% | Low | Feasible |
| Refurb & refinance | 5.32% | -£343 | £147,531 | -9.6% | Med | Feasible |
| ⭐ Short-stay let / Airbnb | 19.33% | +£1,104 | £126,065 | 58.9% | High | Feasible |
| Buy, improve & sell | 0.00% | -£199 | £348,606 | 2% | Med | Feasible |
| Rent by the room | 6.18% | -£1,389 | £152,065 | -50.3% | — | Feasible |
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 South Lanarkshire · cap £714/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- South Lanarkshire
- LHA monthly cap:
- £714
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- 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 let51% occupancy
£307/night ADR
Based on 3 short-let comps nearby
Rent by the room conversion upside
+£154/mo cash flow vs Rent it out if converted to Rent by the room
9.76% Return before costs on price converted vs 5.32% as-is
Room mix (3 lettable rooms)
2× Double @ £548/mo1× Single @ £424/mo
≈ £1,520/mo gross room income
As-is Rent it out
Monthly profit-£294
Return before costs on price5.32%
Cash needed£85,648
If converted to Rent by the room
Monthly profit-£140
Return before costs on price9.76%
Cash needed£101,648
Δ vs Rent it out Monthly profit+£154
Show conversion detail
Conversion cost estimate
£46,200
Range: £39,900 – £54,600
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£57,630–£106,330full refurb + room split
What's in this cost
- Kitchen£9,000–£18,000
- 2 × bathroom£12,000–£22,000
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£7,920–£13,860
- Flooring£11,880–£21,780
Based on 27 HMO comps within 2.3 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£15,696
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£4,111
Exit costs
Projected sale price (5y · 2%/yr growth)£325,704
Capital gain (pre-CGT)£30,704
Sale costs (~2.5%)£8,143
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-£14,177
Rates as of Oct 2024
Acquisition costs
£126,065cash neededPurchase price£295,000
Deposit (25%)£73,750
Stamp duty+8% Additional Dwelling Supplement (ADS)£27,950
Refurb£16,790
Legal + survey£2,150
Mortgage fees£5,425
Total cash neededdeposit + costs (loan covers the rest)£126,065
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Both the impressive lounge and the superb kitchen are dual aspect, creating a light-filled, welcoming ambiance that is enhanced by the dining area's french doors. With a separate laundry, downstairs WC and three bedrooms, one of them en-suite, this is an attractive, practical family home.
Plot 107
Tenure: Freehold Length of lease: N/A Annual ground rent amount (£): N/A Ground rent review period (year/month): N/A Annual service charge amount (£): 174.45 Service charge review…
Floor plans
Listing metazoopla · Miller Homes - The Hedgerows
About this listing
30 days · ZooplaPrice history
5-year price trend
Monthly profit
−£343
Cash needed
£126K
Return after costs
-3.26%
IRR
-4.73%
Listed 30d ago
"Addington Da Semi" at Off Hamilton Road, Cambuslang G72
semi-detached · 3 bed · 2 bath
£295,000
est £1,308 · 5.32% gross
1 / 7
12/100
Marginal
6.18% — verify the rent + comps locally.
5.32% Return before costs — around the area average for this property type.
Monthly profit −£343/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£295K
Return before costs (best)
6.18%
Rent by the room
Bedrooms
3
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: £1,264–£1,354/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £73,750
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 (£12,593–£23,506 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £221,250 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£343
after mortgage, operating costs & tax
Rent in£1,308/mo gross
£1,258/mo collected · £50/mo lost to voids
Where it goes
£1,198Mortgage£402Costs
Outgoings exceed rent — you top up £343/mo
Mortgage£1,198
Costs£402
Management£131
Maintenance£67
Insurance£28
CapEx reserve£65
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£343
Returns
Return before costs on price5.32%
Cash return on cash-3.26%
Gross margin£856
Cash needed£126,065
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.05
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 South Lanarkshire · cap £714/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- South Lanarkshire
- LHA monthly cap:
- £714
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- 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 | £15,696 | £4,822 | £14,381 | £0 | £0 | -£3,508 | -£3,508 |
| Year 2 | £16,167 | £4,967 | £14,381 | £0 | £0 | -£3,181 | -£6,689 |
| Year 3 | £16,652 | £5,116 | £14,381 | £0 | £0 | -£2,845 | -£9,535 |
| Year 4 | £17,151 | £5,270 | £14,381 | £0 | £0 | -£2,499 | -£12,034 |
| Year 5 | £17,666 | £5,428 | £14,381 | £0 | £0 | -£2,143 | -£14,177 |
Rent by the room upside
What we verified
5007
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£2,876
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£14,177
Acquisition costs
25% deposit£73,750
Stamp duty£27,950
Refurb£16,790
Legal + survey£2,150
Mortgage + broker£5,425
Cash needed£126,065
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
Both the impressive lounge and the superb kitchen are dual aspect, creating a light-filled, welcoming ambiance that is enhanced by the dining area's french doors. With a separate laundry, downstairs WC and three bedrooms, one of them en-suite, this is an attractive, practical family home.
Plot 107
Tenure: Freehold Length of lease: N/A Annual ground rent amount (£): N/A Ground rent review period (year/month): N/A Annual service charge amount (£): 174.45 Service charge review…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice