Monthly profit +£355/mo from completion — the no.1 reason to invest
8.86% return before costs — above-market
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
Auction lot — bridging-only finance, 28-day completion
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
+£355/mo
Pays you every month, net of costs
Price vs market
Below market value
-25% vs 12 sold · interior unseen
Return · IRR
3.4%/yr
Modest annualised return
Cash left in
£53K
Stays in after refinancing at value
Price £325KCash to buy £135KReturn before costson price8.86%5-yr return on cash 23%Rent est. £2,399 (£2,305–£2,497)
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: £2,305–£2,497/mo · n=19
Financing
DepositYour cash in — the rest is the mortgage25% · £81,250
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 (£17,630–£32,908 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £243,750 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
Cladding safety certificateNot stated on the listingHeritageNot 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.
Total cash neededdeposit + costs (loan covers the rest)£135,281
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary
auction sale 15 October 2026 - Freehold three bedroom terrace house,
Full vacant possession
description
Freehold three bedroom terrace house
Full vacant possession
Location:
The property is situated on Howard Road within a popular residential area close to local shopping amenities within Ilford. Public transport links include Ilford Mainline Rail station with East Ham Underground station (District and Hammersmith & City Lines) to the south and Gants Hill Underground…
Priced below market -25% vs 12 nearby sold (last 12 mo)
Monthly profit+£355/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.86% Return before costs — above-market
Chain free
Price
£325K
25% below sold comps
Return before costs
8.86%
est rent £2,399/monot enough comparablesRange £2,305–£2,497/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
C
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
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: £2,305–£2,497/mo · n=19
Financing
DepositYour cash in — the rest is the mortgage25% · £81,250
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 (£17,630–£32,908 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £243,750 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 £1,496/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:
£1,496
Scheme type:
PSL
Premium:
+500% premium over LHA cap
Typical lease:
0 years lease
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
£28,788
£6,582
£15,844
£0
£1,209
£5,153
£5,153
Year 2
£29,652
£6,780
£15,844
£0
£1,335
£5,693
£10,846
Year 3
£30,541
£6,983
£15,844
£0
£1,466
£6,248
£17,095
Year 4
£31,457
£7,193
£15,844
£0
£1,600
£6,821
£23,916
Year 5
£32,401
£7,408
£15,844
£0
£1,738
£7,411
£31,327
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
6106
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingC
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Wide · CV 17.2%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£3,169
Annual rental tax£998
CGT yr 5£0 · company level
5y net total£31,327
Acquisition costs
£135K
25% deposit£81,250
Stamp duty£22,500
Refurb£23,506
Legal + survey£2,150
Mortgage + broker£5,875
Cash needed£135,281
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
Summary
auction sale 15 October 2026 - Freehold three bedroom terrace house,
Full vacant possession
description
Freehold three bedroom terrace house
Full vacant possession
Location:
The property is situated on Howard Road within a popular residential area close to local shopping amenities within Ilford. Public transport links include Ilford Mainline Rail station with East Ham Underground station (District and Hammersmith & City Lines) to the south and Gants Hill Underground…