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Year 5 disposal
BMV -33%
⊞ View all 7
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Priced below market -33% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Floor area 366 sqft — small for the type
- Monthly profit −£766/mo — heavily negative — needs monthly capital injection
- -13.0% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£766/mo
You top up £766/mo
Price vs market
Below market value
-33% vs 12 sold · interior unseen
Return · IRR
-13.0%/yr
Loses money over 5 years
Cash left in
£20K
Stays in after refinancing at value
Price £140KCash to buy £72K5-yr return on cash -65%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £35,000
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 (£)
Tiered estimate (mid refurb): £17,122–£33,147 range from £/sqft + per-room model
Legal + survey (£)
Standard flat — £1,200 legal + £500 survey
Mortgage fees (£)
2% product fee on £105,000 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 sub-£200K
Maintenance (£/mo)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£766
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£569Mortgage£197Costs
Outgoings exceed rent — you top up £766/mo
Mortgage£569
Costs£197
Maintenance£67
Insurance£20
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£766
Returns
Return before costs on price0.00%
Cash return on cash-12.72%
Gross margin-£197
Cash needed£72,235
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £2,362 | £6,825 | £0 | £0 | -£9,187 | -£9,187 |
| Year 2 | £0 | £2,433 | £6,825 | £0 | £0 | -£9,258 | -£18,445 |
| Year 3 | £0 | £2,506 | £6,825 | £0 | £0 | -£9,331 | -£27,776 |
| Year 4 | £0 | £2,581 | £6,825 | £0 | £0 | -£9,406 | -£37,182 |
| Year 5 | £0 | £2,658 | £6,825 | £0 | £0 | -£9,483 | -£46,665 |
Disposal gain (gross)-£23,428
CGT£0
Net Disposal proceeds£150,707
What we verified
What we verified
21082 ok · 1 caution · 0 fail · 8 unknown
Legal & planning
LeaseholdFreehold
Leaseholdmaterial factsListing extract
Lease remaining
Mortgageable ≥80yr
969 yr
Extracted from listing description · verify with solicitor
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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 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 profileUnknown
Tenant profilelikely cohortTN1 2SF
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Sussex · 39.1 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 costUnknown
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
2-bed · 1-bath · 366 sqft
£14k–£28k
£ per sqft
building cost only
£38–£76
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£2,562–£4,758
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£4,026–£7,686
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history17d on marketno cuts yet
Strategy matrix
Council lease wins — -£82/mo · £89/mo ahead of Housing-benefit rent
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 0.00% | -£766 | £72,235 | -64.6% | Low | Feasible |
| Housing-benefit rent | 6.84% | -£170 | £72,235 | -6.7% | Med | Feasible |
| ⭐ Council lease | 6.84% | -£82 | £72,235 | -4.3% | Low | Feasible |
| Refurb & refinance | 0.00% | -£766 | £100,473 | -46.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£191 | £195,373 | -13% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA High Weald · cap £798/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- High Weald
- LHA monthly cap:
- £798
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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
+£1,127/mo cash flow vs Rent it out if converted to Rent by the room
20.57% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£750
Return before costs on price0.00%
Cash needed£46,898
If converted to Rent by the room
Monthly profit+£377
Return before costs on price20.57%
Cash needed£62,898
Δ vs Rent it out Monthly profit+£1,127
Show conversion detail
Cannot Rent by the room:Bedroom count unknown — verify the floor plan can support 3+ rooms.
Comparables
sold within 0.5 miWide · CV 49.3%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
- Not ratedSt Barnabas CofE VA Primary SchoolPrimary · Voluntary aided school · TN1 2EY
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£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£9,187
Exit costs
Projected sale price (5y · 2%/yr growth)£154,571
Capital gain (pre-CGT)£14,571
Sale costs (~2.5%)£3,864
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-£46,665
Rates as of Oct 2024
Acquisition costs
£72,235cash neededPurchase price£140,000
Deposit (25%)£35,000
Stamp duty+5% additional-property surcharge£7,300
Refurb£25,135
Legal + survey£1,700
Mortgage fees£3,100
Total cash neededdeposit + costs (loan covers the rest)£72,235
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A well-presented ground-floor studio apartment offering bright, contemporary accommodation, together with the added benefits of a private courtyard garden and residents' parking available on a first come, first served basis.
Location
Camden Court is conveniently situated on Camden Road, close to Tunbridge Wells town centre and its excellent range of shops, cafés, restaurants and amenities. Tunbridge Wells mainline station, Royal Victoria Place and the historic Pantiles are…
Floor plans
Listing metazoopla · Doorknobs
About this listing
17 days · ZooplaPrice history
5-year price trend
Monthly profit
−£766
Cash needed
£72K
Return after costs
-12.72%
IRR
-12.97%
Listed 17d ago
Camden Road, Tunbridge Wells TN1
studio · 1 bath · 366 sqft
£140,000
Leasehold 969yrEPC D
Priced below market
1 / 7
0/100
Marginal
No rent data — verify locally before offering.
Priced below market -33% vs 12 nearby sold (last 12 mo)
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£140K
33% below sold comps
Return before costs
—
rent unknown
Bedrooms
—
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £35,000
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 (£)
Tiered estimate (mid refurb): £17,122–£33,147 range from £/sqft + per-room model
Legal + survey (£)
Standard flat — £1,200 legal + £500 survey
Mortgage fees (£)
2% product fee on £105,000 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 sub-£200K
Maintenance (£/mo)
Default £67/mo — type unknown
Leasehold costs
Result · Rent it out
Monthly profit
-£766
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£569Mortgage£197Costs
Outgoings exceed rent — you top up £766/mo
Mortgage£569
Costs£197
Maintenance£67
Insurance£20
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£766
Returns
Return before costs on price0.00%
Cash return on cash-12.72%
Gross margin-£197
Cash needed£72,235
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA High Weald · cap £798/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- High Weald
- LHA monthly cap:
- £798
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £0 | £2,362 | £6,825 | £0 | £0 | -£9,187 | -£9,187 |
| Year 2 | £0 | £2,433 | £6,825 | £0 | £0 | -£9,258 | -£18,445 |
| Year 3 | £0 | £2,506 | £6,825 | £0 | £0 | -£9,331 | -£27,776 |
| Year 4 | £0 | £2,581 | £6,825 | £0 | £0 | -£9,406 | -£37,182 |
| Year 5 | £0 | £2,658 | £6,825 | £0 | £0 | -£9,483 | -£46,665 |
Rent by the room upside
What we verified
2209
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remainingFreehold
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 + sqftNot stated on the listing
Service chargeReduces net yield£1,080/yr
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile▾
Tenant profileBeds + postcode heuristicCheck locally
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miWide · CV 49.3%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,365
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£46,665
Acquisition costs
25% deposit£35,000
Stamp duty£7,300
Refurb£25,135
Legal + survey£1,700
Mortgage + broker£3,100
Cash needed£72,235
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
A well-presented ground-floor studio apartment offering bright, contemporary accommodation, together with the added benefits of a private courtyard garden and residents' parking available on a first come, first served basis.
Location
Camden Court is conveniently situated on Camden Road, close to Tunbridge Wells town centre and its excellent range of shops, cafés, restaurants and amenities. Tunbridge Wells mainline station, Royal Victoria Place and the historic Pantiles are…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice