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Year 5 disposal
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100/ 100
Strong
11.70% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 11.70% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (978 yrs) — no short-lease drag
- EPC C — MEES compliant
Why to be cautious
- No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£86/mo
Barely breaks even each month
Price
£130K
No local sold comps to compare
Return · IRR
2.2%/yr
Modest annualised return
Cash to get in
£59K
Deposit + fees + refurb
Return before costs on price 11.70%5-yr return on cash 16%Rent est. £1,268 (£1,102–£1,459)
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: £1,102–£1,459/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,500 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 sub-£200K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£86
after mortgage, operating costs & tax
Rent in£1,268/mo gross
£1,219/mo collected · £49/mo lost to voids
Where it goes
£528Mortgage£585Costs
£86/mo left as profit · 7% of rent kept
Mortgage£528
Costs£585
Management£127
Maintenance£50
Insurance£20
CapEx reserve£63
Voids + council tax£6
Service charge + ground rent£215
Ltd co. accounts£104
Tax£20
Profit+£86
Returns
Return before costs on price11.70%
Cash return on cash1.74%
Gross margin£634
Cash needed£59,161
Monthly profit payback57y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.31
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 | £15,216 | £7,020 | £6,338 | £0 | £353 | £1,505 | £1,505 |
| Year 2 | £15,672 | £7,231 | £6,338 | £0 | £400 | £1,704 | £3,209 |
| Year 3 | £16,143 | £7,448 | £6,338 | £0 | £448 | £1,909 | £5,118 |
| Year 4 | £16,627 | £7,671 | £6,338 | £0 | £497 | £2,121 | £7,239 |
| Year 5 | £17,126 | £7,902 | £6,338 | £0 | £548 | £2,339 | £9,578 |
Disposal gain (gross)-£13,769
CGT£0
Net Disposal proceeds£139,942
What we verified
What we verified
60066 ok · 0 caution · 0 fail · 6 unknown
Legal & planning
Leasehold978 yr
Leaseholdmaterial factsListing extract
Lease remaining
Mortgageable ≥80yr
979 yr
Ground rent
Doubling = lender risk
£100/yr
Service charge
Annual running cost
£2,478/yr
Service charge ~1.91% of price
£2,478/year on a £130,000 property eats ~10–15% of typical gross yield. Build into the BTL model.
Extracted from listing description · verify with solicitor
Tenure & planning978 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
Rates as of May 2026
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
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 profileFamily let
Tenant profilelikely cohortPL1 4NQ · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Exeter · 60.9 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 · 1-bath · 990 sqft
£25k–£49k
£ per sqft
building cost only
£25–£49
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- 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 history23d on marketno cuts yet
Strategy matrix
Rent it out wins — +£86/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 | 11.70% | +£86 | £59,161 | 16.2% | Low | Feasible |
| Housing-benefit rent | 7.37% | -£328 | £59,161 | -25.4% | Med | Feasible |
| Council lease | 7.37% | -£159 | £59,161 | -13.8% | Low | Feasible |
| Refurb & refinance | 11.70% | +£86 | £71,705 | 13.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£389 | £159,755 | -2% | Med | Feasible |
| Rent by the room | 16.56% | -£86 | £59,161 | 7.3% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Plymouth · cap £798/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Plymouth
- LHA monthly cap:
- £798
- Scheme type:
- other
- 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
Rent by the room conversion upside
+£151/mo cash flow vs Rent it out if converted to Rent by the room
22.15% Return before costs on price converted vs 11.70% as-is
As-is Rent it out
Monthly profit+£258
Return before costs on price11.70%
Cash needed£44,398
If converted to Rent by the room
Monthly profit+£409
Return before costs on price22.15%
Cash needed£60,398
Δ vs Rent it out Monthly profit+£151
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£41,499–£78,000full refurb + room split
⚠️ Capped at 60% of £130,000 asking (£78,000). Raw model: £48,990–£92,080. Verify with a surveyor before offering.
What's in this cost
- Kitchen£7,319–£14,638
- 1 × bathroom£4,828–£8,852
- Rewire£3,354–£5,870
- Replumb£2,516–£5,032
- Windows£8,386–£15,095
- Paint + decor£5,870–£10,902
- Flooring£9,225–£17,611
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
- GoodMarlborough Primary AcademyPrimary · Academy converter · PL1 4NJ
- GoodSt Joseph's Catholic Primary SchoolPrimary · Academy converter · PL1 4DJ
- GoodUTC PlymouthSecondary · University technical college · PL1 4RL
- Not ratedMount Wise Community Primary SchoolPrimary · Academy converter · PL1 4LA
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£15,216
Section 24 credit£0
Annual tax due£353
Post-tax Monthly profit annual£920
Exit costs
Projected sale price (5y · 2%/yr growth)£143,531
Capital gain (pre-CGT)£13,531
Sale costs (~2.5%)£3,588
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£9,578
Rates as of Oct 2024
Acquisition costs
£59,161cash neededPurchase price£130,000
Deposit (25%)£32,500
Stamp duty+5% additional-property surcharge£6,600
Refurb£15,111
Legal + survey£2,000
Mortgage fees£2,950
Total cash neededdeposit + costs (loan covers the rest)£59,161
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Must See
Situated on the popular Raglan Road, Plymouth, this beautifully presented three-bedroom maisonette offers spacious accommodation arranged over two floors, making it an ideal home for first-time buyers, families, or investors alike.
The property is in excellent condition throughout, providing a bright and modern living environment ready for immediate occupation. The well-proportioned accommodation comprises a welcoming entrance hall, generous living room, fitted kit…
Floor plans
Listing metazoopla · Fulfords - Plymouth Sales
About this listing
23 days · ZooplaPrice history
5-year price trend
Monthly profit
+£86
Cash needed
£59K
Return after costs
1.74%
IRR
2.17%
Listed 23d ago
Raglan Road, Plymouth, Devon PL1
terraced · 3 bed · 1 bath
£130,000
est £1,268 · 11.70% gross
Leasehold 978yrEPC C
1 / 27
100/100
Strong
11.70% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
11.70% Return before costs — above-market
Price
£130K
Return before costs
11.70%
est rent £1,268/monot enough comparablesRange £1,102–£1,459/mo (Q1–Q3)
Bedrooms
3
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: £1,102–£1,459/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,500 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 sub-£200K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£86
after mortgage, operating costs & tax
Rent in£1,268/mo gross
£1,219/mo collected · £49/mo lost to voids
Where it goes
£528Mortgage£585Costs
£86/mo left as profit · 7% of rent kept
Mortgage£528
Costs£585
Management£127
Maintenance£50
Insurance£20
CapEx reserve£63
Voids + council tax£6
Service charge + ground rent£215
Ltd co. accounts£104
Tax£20
Profit+£86
Returns
Return before costs on price11.70%
Cash return on cash1.74%
Gross margin£634
Cash needed£59,161
Monthly profit payback57y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.31
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Plymouth · cap £798/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Plymouth
- LHA monthly cap:
- £798
- Scheme type:
- other
- 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 | £15,216 | £7,020 | £6,338 | £0 | £353 | £1,505 | £1,505 |
| Year 2 | £15,672 | £7,231 | £6,338 | £0 | £400 | £1,704 | £3,209 |
| Year 3 | £16,143 | £7,448 | £6,338 | £0 | £448 | £1,909 | £5,118 |
| Year 4 | £16,627 | £7,671 | £6,338 | £0 | £497 | £2,121 | £7,239 |
| Year 5 | £17,126 | £7,902 | £6,338 | £0 | £548 | £2,339 | £9,578 |
Rent by the room upside
What we verified
8006
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureLeasehold years remaining978 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£2,478/yr
Ground rentDoubling clauses kill mortgageability£100/yr
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£1,268
Annual rental tax£242
CGT yr 5£0 · company level
5y net total£9,578
Acquisition costs
25% deposit£32,500
Stamp duty£6,600
Refurb£15,111
Legal + survey£2,000
Mortgage + broker£2,950
Cash needed£59,161
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
Must See
Situated on the popular Raglan Road, Plymouth, this beautifully presented three-bedroom maisonette offers spacious accommodation arranged over two floors, making it an ideal home for first-time buyers, families, or investors alike.
The property is in excellent condition throughout, providing a bright and modern living environment ready for immediate occupation. The well-proportioned accommodation comprises a welcoming entrance hall, generous living room, fitted kit…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice