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Year 5 disposal
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49/ 100
Caution
Real 8.88% Rent by the room return before costs but flagged risks need pricing in.
Why it works
- 7.16% return before costs — above-market
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£3/mo — mildly negative — equity build may cover
- -1.0% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£3/mo
You top up £3/mo
Price
£260K
No local sold comps to compare
Return · IRR
-1.0%/yr
Loses money over 5 years
Cash to get in
£115K
Deposit + fees + refurb
Return before costs on price · Rent by the room 8.88%5-yr return on cash 5%Rent est. £1,551 (£1,351–£1,781)
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: £1,351–£1,781/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £65,000
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 (£14,756–£27,544 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £195,000 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
-£3
after mortgage, operating costs & tax
Rent in£1,551/mo gross
£1,491/mo collected · £60/mo lost to voids
Where it goes
£1,056Mortgage£438Costs
Outgoings exceed rent — you top up £3/mo
Mortgage£1,056
Costs£438
Management£155
Maintenance£67
Insurance£28
CapEx reserve£78
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£3
Returns
Return before costs on price7.16%
Cash return on cash-0.03%
Gross margin£1,054
Cash needed£115,124
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.41
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 | £18,612 | £5,254 | £12,675 | £0 | £130 | £553 | £553 |
| Year 2 | £19,170 | £5,411 | £12,675 | £0 | £206 | £878 | £1,431 |
| Year 3 | £19,745 | £5,574 | £12,675 | £0 | £284 | £1,213 | £2,644 |
| Year 4 | £20,338 | £5,741 | £12,675 | £0 | £365 | £1,557 | £4,201 |
| Year 5 | £20,948 | £5,913 | £12,675 | £0 | £448 | £1,912 | £6,112 |
Disposal gain (gross)-£25,340
CGT£0
Net Disposal proceeds£279,884
What we verified
What we verified
60066 ok · 0 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 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 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 cohortDD3 0RH · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Edinburgh · 62.5 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 2-bath · 1259 sqft
£33k–£65k
£ per sqft
building cost only
£26–£51
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£8,813–£16,367
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£13,849–£26,439
Guide rates · UK May 2026
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 history21d on marketno cuts yet
Strategy matrix
Council lease wins — +£51/mo · £54/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 | 7.16% | -£3 | £115,124 | 5.3% | Low | Feasible |
| Housing-benefit rent | 5.06% | -£441 | £115,124 | -16.3% | Med | Feasible |
| ⭐ Council lease | 7.16% | +£51 | £115,124 | 5.6% | Low | Feasible |
| Refurb & refinance | 7.16% | -£3 | £135,994 | 4.5% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £313,094 | 1% | Med | Feasible |
| Rent by the room | 8.88% | -£1,230 | £149,124 | -43.5% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Dundee and Angus · cap £1,097/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Dundee and Angus
- LHA monthly cap:
- £1,097
- 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
-£35/mo cash flow vs Rent it out if converted to Rent by the room
11.08% Return before costs on price converted vs 7.16% as-is
Room mix (4 lettable rooms)
2× Double @ £475/mo1× Single @ £414/mo1× En-suite @ £559/mo
≈ £1,924/mo gross room income
As-is Rent it out
Monthly profit+£32
Return before costs on price7.16%
Cash needed£76,898
If converted to Rent by the room
Monthly profit-£3
Return before costs on price11.08%
Cash needed£92,898
Δ vs Rent it out Monthly profit-£35
Show conversion detail
Conversion cost estimate
£26,000
Range: £20,000 – £34,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£64,105–£120,015full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£5,036–£8,813
- Replumb£3,777–£7,554
- Windows£12,590–£22,662
- Paint + decor£8,813–£16,367
- Flooring£13,849–£26,439
Based on 1371 HMO comps within 3.5 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£18,612
Section 24 credit£0
Annual tax due£130
Post-tax Monthly profit annual-£163
Exit costs
Projected sale price (5y · 2%/yr growth)£287,061
Capital gain (pre-CGT)£27,061
Sale costs (~2.5%)£7,177
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£6,112
Rates as of Oct 2024
Acquisition costs
£115,124cash neededPurchase price£260,000
Deposit (25%)£65,000
Stamp duty+8% Additional Dwelling Supplement (ADS)£23,400
Refurb£19,674
Legal + survey£2,150
Mortgage fees£4,900
Total cash neededdeposit + costs (loan covers the rest)£115,124
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Welcome to this four bedroom semi-detached home on Burnside, Dundee - a spacious and practical property offering flexible family living in a well established residential area.
Inside, the generous four bedroom layout provides plenty of room for growing families, guests, working from home or simply creating spaces that suit your lifestyle.
Step outside and you'll find a large back garden, offering valuable space for children to play, entertaining friends and family, gardenin…
Floor plans
Listing metazoopla · McIntyre Properties
About this listing
21 days · ZooplaPrice history
5-year price trend
Monthly profit
−£3
Cash needed
£115K
Return after costs
-0.03%
IRR
-1.04%
Listed 21d ago
Burnview, Dundee, 0 DD3
semi-detached · 4 bed · 2 bath · 1,259 sqft
£260,000
est £1,551 · 7.16% gross
EPC C
1 / 31
49/100
Caution
8.88% — verify the rent + comps locally.
7.16% Return before costs — above-market
Price
£260K
Return before costs (best)
8.88%
Rent by the room
Bedrooms
4
2 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: £1,351–£1,781/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £65,000
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 (£14,756–£27,544 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £195,000 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
-£3
after mortgage, operating costs & tax
Rent in£1,551/mo gross
£1,491/mo collected · £60/mo lost to voids
Where it goes
£1,056Mortgage£438Costs
Outgoings exceed rent — you top up £3/mo
Mortgage£1,056
Costs£438
Management£155
Maintenance£67
Insurance£28
CapEx reserve£78
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£3
Returns
Return before costs on price7.16%
Cash return on cash-0.03%
Gross margin£1,054
Cash needed£115,124
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.41
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Dundee and Angus · cap £1,097/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Dundee and Angus
- LHA monthly cap:
- £1,097
- 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 | £18,612 | £5,254 | £12,675 | £0 | £130 | £553 | £553 |
| Year 2 | £19,170 | £5,411 | £12,675 | £0 | £206 | £878 | £1,431 |
| Year 3 | £19,745 | £5,574 | £12,675 | £0 | £284 | £1,213 | £2,644 |
| Year 4 | £20,338 | £5,741 | £12,675 | £0 | £365 | £1,557 | £4,201 |
| Year 5 | £20,948 | £5,913 | £12,675 | £0 | £448 | £1,912 | £6,112 |
Rent by the room upside
What we verified
6006
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▾
EPCEnergy efficiency ratingC
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£2,535
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£6,112
Acquisition costs
25% deposit£65,000
Stamp duty£23,400
Refurb£19,674
Legal + survey£2,150
Mortgage + broker£4,900
Cash needed£115,124
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
Welcome to this four bedroom semi-detached home on Burnside, Dundee - a spacious and practical property offering flexible family living in a well established residential area.
Inside, the generous four bedroom layout provides plenty of room for growing families, guests, working from home or simply creating spaces that suit your lifestyle.
Step outside and you'll find a large back garden, offering valuable space for children to play, entertaining friends and family, gardenin…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice