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Year 5 disposal
BMV -14%
⊞ View all 16
65/ 100
Solid
Real 7.11% return before costs with manageable risks.
Why it works
- 7.11% return before costs — above-market
- Priced below market -14% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Monthly profit −£42/mo — mildly negative — equity build may cover
- No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
- EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£42/mo
You top up £42/mo
Price vs market
Below market value
-14% vs 12 sold · interior unseen
Return · IRR
0.2%/yr
Modest annualised return
Cash left in
£118K
Stays in after refinancing at value
Price £265KCash to buy £150KReturn before costs on price 7.11%5-yr return on cash 3%Rent est. £1,571 (£1,378–£1,791)
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: £1,378–£1,791/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · £66,250
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 (£44,898–£83,810 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £198,750 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£42
after mortgage, operating costs & tax
Rent in£1,571/mo gross
£1,511/mo collected · £60/mo lost to voids
Where it goes
£1,077Mortgage£476Costs
Outgoings exceed rent — you top up £42/mo
Mortgage£1,077
Costs£476
Management£157
Maintenance£100
Insurance£28
CapEx reserve£79
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£42
Returns
Return before costs on price7.11%
Cash return on cash-0.33%
Gross margin£1,035
Cash needed£149,739
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.40
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 | £18,852 | £5,708 | £12,919 | £0 | £43 | £182 | £182 |
| Year 2 | £19,418 | £5,879 | £12,919 | £0 | £118 | £502 | £684 |
| Year 3 | £20,000 | £6,055 | £12,919 | £0 | £195 | £831 | £1,515 |
| Year 4 | £20,600 | £6,237 | £12,919 | £0 | £274 | £1,170 | £2,685 |
| Year 5 | £21,218 | £6,424 | £12,919 | £0 | £356 | £1,519 | £4,205 |
Disposal gain (gross)-£58,247
CGT£0
Net Disposal proceeds£285,267
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
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 ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
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 cohortTF10 7SW · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Birmingham City · 45.8 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 · 1-bath · 1195 sqft
£29k–£56k
£ per sqft
building cost only
£24–£47
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£8,365–£15,535
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£13,145–£25,095
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 history7d on marketno cuts yet
Strategy matrix
Rent it out wins — -£42/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 | 7.11% | -£42 | £149,739 | 2.8% | Low | Feasible |
| Housing-benefit rent | 4.40% | -£592 | £149,739 | -19.4% | Med | Feasible |
| Council lease | 0.00% | -£1,309 | £149,739 | -53.0% | Low | Feasible |
| Refurb & refinance | 7.11% | -£42 | £186,935 | 2.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £367,460 | -12% | Med | Feasible |
| Rent by the room | 10.87% | -£210 | £149,739 | 1.3% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Shropshire · cap £972/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Shropshire
- LHA monthly cap:
- £972
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
-£52/mo cash flow vs Rent it out if converted to Rent by the room
10.87% Return before costs on price converted vs 7.11% as-is
🔓 +2 bedrooms potential
medium confidence4 → 6 lettable rooms
Potential, not guaranteed (subject to planning + regs). Estimate from the floorplan (kitchen size assumed) — verify room sizes against the floorplan before offering.
How we calculated this
floorplan shows 7 habitable rooms (4 beds + 3 reception(s)); convert 2 spare room(s) to bedrooms, keeping one reception as the lounge → up to 6 lettable rooms (incl. the garage — convertible to a bedroom or the communal area); sized to Telford and Wrekin adopted standard (6.51/10.22 m²; Better Homes for All - HMO Amenities, Space & Management Standards (Telford & Wrekin Council, June 2024)); loft conversion may add 1-2 further rooms (subject to head height/planning — not counted); mandatory HMO licence (5+ persons, England)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
4 → 6 bed HMO+2 singles
HMO licence
Sized to Telford and Wrekin's adopted HMO standards
Projections use documented assumptions (local room rates, typical conversion costs, 75% LTV at 5.5%, indicative regional valuation yields) and each council’s published HMO standards. Not financial advice. Verify room sizes, licensing and planning with the council and a surveyor before purchase.
As-is Rent it out
Monthly profit+£30
Return before costs on price7.11%
Cash needed£78,148
If converted to Rent by the room
Monthly profit-£22
Return before costs on price10.87%
Cash needed£94,148
Δ vs Rent it out Monthly profit-£52
Show conversion detail
Conversion cost estimate
£30,000
Range: £24,000 – £38,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£56,165–£105,405full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£4,780–£8,365
- Replumb£3,585–£7,170
- Windows£11,950–£21,510
- Paint + decor£8,365–£15,535
- Flooring£13,145–£25,095
Comparables
sold within 0.5 miWide · CV 19.3%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodNewport Church of England Voluntary Controlled Junior SchoolPrimary · Voluntary controlled school · TF10 7EA
- GoodNewport Infant School and NurseryPrimary · Community school · TF10 7DX
- Not ratedHaberdashers' Castle House SchoolNot applicable · Other independent school · TF10 7JE
- Not ratedMoorfield Primary SchoolPrimary · Foundation school · TF10 7QU
- Not ratedSt Peter and St Paul Catholic Primary School, A Voluntary AcademyPrimary · Academy converter · TF10 7HU
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£18,852
Section 24 credit£0
Annual tax due£43
Post-tax Monthly profit annual-£543
Exit costs
Projected sale price (5y · 2%/yr growth)£292,581
Capital gain (pre-CGT)£27,581
Sale costs (~2.5%)£7,315
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£4,205
Rates as of Oct 2024
Acquisition costs
£149,739cash neededPurchase price£265,000
Deposit (25%)£66,250
Stamp duty+5% additional-property surcharge£16,500
Refurb£59,864
Legal + survey£2,150
Mortgage fees£4,975
Total cash neededdeposit + costs (loan covers the rest)£149,739
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
For sale – four bedroom link detached house with garage and driveway, offering clear scope for improvement and an attractive investment opportunity in a popular residential part of Newport, Shropshire.
Set on Vineyard Road, this family home sits behind a driveway providing off‐street parking and access to a single garage. The front elevation is characterised by two large established trees that would benefit from removal to open the property up to the road side. Sitting on a…
Floor plans
Listing metazoopla · Newton Fallowell
About this listing
7 days · ZooplaPrice history
5-year price trend
Monthly profit
−£42
Cash needed
£150K
Return after costs
-0.33%
IRR
0.17%
Listed 7d ago
Vineyard Road, Newport TF10
detached · 4 bed · 1 bath · 1,195 sqft
£265,000
est £1,571 · 7.11% gross
Priced below market
1 / 16
65/100
Solid
Real 7.11% — fundamentals work.
Priced below market -14% vs 12 nearby sold (last 12 mo)
7.11% Return before costs — above-market
Price
£265K
14% below sold comps
Return before costs
7.11%
est rent £1,571/monot enough comparablesRange £1,378–£1,791/mo (Q1–Q3)
Bedrooms
4
1 bath
Energy rating
—
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: £1,378–£1,791/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · £66,250
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 (£44,898–£83,810 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £198,750 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£42
after mortgage, operating costs & tax
Rent in£1,571/mo gross
£1,511/mo collected · £60/mo lost to voids
Where it goes
£1,077Mortgage£476Costs
Outgoings exceed rent — you top up £42/mo
Mortgage£1,077
Costs£476
Management£157
Maintenance£100
Insurance£28
CapEx reserve£79
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£42
Returns
Return before costs on price7.11%
Cash return on cash-0.33%
Gross margin£1,035
Cash needed£149,739
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.40
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Shropshire · cap £972/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Shropshire
- LHA monthly cap:
- £972
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 | £18,852 | £5,708 | £12,919 | £0 | £43 | £182 | £182 |
| Year 2 | £19,418 | £5,879 | £12,919 | £0 | £118 | £502 | £684 |
| Year 3 | £20,000 | £6,055 | £12,919 | £0 | £195 | £831 | £1,515 |
| Year 4 | £20,600 | £6,237 | £12,919 | £0 | £274 | £1,170 | £2,685 |
| Year 5 | £21,218 | £6,424 | £12,919 | £0 | £356 | £1,519 | £4,205 |
Rent by the room upside
What we verified
5007
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▾
EPCPostcode estimate — check the registerNot stated on the listing
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 miWide · CV 19.3%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,584
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£4,205
Acquisition costs
25% deposit£66,250
Stamp duty£16,500
Refurb£59,864
Legal + survey£2,150
Mortgage + broker£4,975
Cash needed£149,739
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
For sale – four bedroom link detached house with garage and driveway, offering clear scope for improvement and an attractive investment opportunity in a popular residential part of Newport, Shropshire.
Set on Vineyard Road, this family home sits behind a driveway providing off‐street parking and access to a single garage. The front elevation is characterised by two large established trees that would benefit from removal to open the property up to the road side. Sitting on a…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice