Priced below market -25% vs 12 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)
Leasehold 99yr — verify at solicitor
Auction lot — bridging-only finance, 28-day completion
Service charge unknown — could swing £100-300/mo
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£90/mo
Barely breaks even each month
Price vs market
Below market value
-25% vs 12 sold · interior unseen
Return · IRR
1.6%/yr
Modest annualised return
Cash left in
£35K
Stays in after refinancing at value
Price £220KCash to buy £91KReturn before costson price9.44%5-yr return on cash 13%Rent est. £1,730 (£1,631–£1,835)
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).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £1,631–£1,835/mo · n=74
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £165,000 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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.
Total cash neededdeposit + costs (loan covers the rest)£90,944
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A two-bedroom ground-floor maisonette ideally located for access to Harold Wood railway station, the A12 and the M25, making it an excellent choice for commuters. The area offers a wide range of local amenities, while Harold Wood Park provides plenty of green space to enjoy.
Ground Floor
Entrance door, hallway, kitchen, living room, shower room with WC, and two bedrooms (bedroom two is currently being used as a dining room).
Outside
Block-paved frontage and rear garden with…
Priced below market -25% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.44% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Lease 99 yrs — extend before exit
Price
£220K
25% below sold comps
Return before costs
9.44%
est rent £1,730/monot enough comparablesRange £1,631–£1,835/mo (Q1–Q3)
Bedrooms
2
— bath
Energy rating
D
Energy rating
Deal flags2 issues
Auction
Guide price — assume +20-30% in the room
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £1,631–£1,835/mo · n=74
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £165,000 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Housing-benefit (LHA) scheme detailBRMA Outer North East London · cap £1,247/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Outer North East London
LHA monthly cap:
£1,247
Scheme type:
other
Premium:
+500% 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
£20,760
£7,898
£10,725
£0
£406
£1,731
£1,731
Year 2
£21,383
£8,135
£10,725
£0
£479
£2,044
£3,775
Year 3
£22,024
£8,379
£10,725
£0
£555
£2,365
£6,140
Year 4
£22,685
£8,630
£10,725
£0
£633
£2,697
£8,837
Year 5
£23,366
£8,889
£10,725
£0
£713
£3,038
£11,875
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
1606
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining99 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
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
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile3▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Wide · CV 26.9%Med confidence
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,145
Annual rental tax£254
CGT yr 5£0 · company level
5y net total£11,875
Acquisition costs
£91K
25% deposit£55,000
Stamp duty£12,900
Refurb£16,744
Legal + survey£2,000
Mortgage + broker£4,300
Cash needed£90,944
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
Auto-saves
Description& agent copyZoopla
A two-bedroom ground-floor maisonette ideally located for access to Harold Wood railway station, the A12 and the M25, making it an excellent choice for commuters. The area offers a wide range of local amenities, while Harold Wood Park provides plenty of green space to enjoy.
Ground Floor
Entrance door, hallway, kitchen, living room, shower room with WC, and two bedrooms (bedroom two is currently being used as a dining room).
Outside
Block-paved frontage and rear garden with…