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Year 5 disposal
BMV -15%
⊞ View all 27
80/ 100
Strong
Strong investment fundamentals.
Why it works
- 9.68% return before costs — above-market
- Priced below market -15% 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
- EPC E — must hit C by 2030 (~£6,000–£12,000)
- 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
+£105/mo
Barely breaks even each month
Price vs market
Below market value
-15% vs 12 sold · interior unseen
Return · IRR
2.6%/yr
Modest annualised return
Cash left in
£43K
Stays in after refinancing at value
Price £130KCash to buy £61KReturn before costs on price 9.68%5-yr return on cash 17%Rent est. £1,049 (£949–£1,160)
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: £949–£1,160/mo · n=30
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 (£12,593–£23,506 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 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
+£105
after mortgage, operating costs & tax
Rent in£1,049/mo gross
£1,009/mo collected · £40/mo lost to voids
Where it goes
£528Mortgage£351Costs
£105/mo left as profit · 10% of rent kept
Mortgage£528
Costs£351
Management£105
Maintenance£50
Insurance£20
CapEx reserve£52
Voids + council tax£6
Ltd co. accounts£104
Selective licensing£14
Tax£25
Profit+£105
Returns
Return before costs on price9.68%
Cash return on cash2.08%
Gross margin£658
Cash needed£60,540
Monthly profit payback48y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.91
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 | £12,588 | £4,212 | £6,338 | £0 | £387 | £1,651 | £1,651 |
| Year 2 | £12,966 | £4,339 | £6,338 | £0 | £435 | £1,855 | £3,506 |
| Year 3 | £13,355 | £4,469 | £6,338 | £0 | £484 | £2,064 | £5,570 |
| Year 4 | £13,755 | £4,603 | £6,338 | £0 | £535 | £2,280 | £7,850 |
| Year 5 | £14,168 | £4,741 | £6,338 | £0 | £587 | £2,503 | £10,353 |
Disposal gain (gross)-£15,148
CGT£0
Net Disposal proceeds£139,942
What we verified
What we verified
51065 ok · 1 caution · 0 fail · 6 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
⚠️ Selective Licensing in scope
Selective — Brinsworth
Rates as of May 2026
Building condition
Energy ratingE
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand E
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£6k–£12k
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 cohortS60 5TF · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Sheffield Hallam · 6.8 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 history3d on marketno cuts yet
Strategy matrix
Council lease wins — +£142/mo · £26/mo ahead of Refurb & refinance
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 9.68% | +£105 | £60,540 | 17.1% | Low | Feasible |
| Housing-benefit rent | 5.07% | -£307 | £60,540 | -24.6% | Med | Feasible |
| ⭐ Council lease | 9.68% | +£142 | £60,540 | 17.6% | Low | Feasible |
| Refurb & refinance | 9.68% | +£116 | £73,756 | 15.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £161,806 | -3% | Med | Feasible |
| Rent by the room | 13.21% | -£123 | £60,540 | 1.6% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Rotherham · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Rotherham
- LHA monthly cap:
- £549
- Scheme type:
- none
- Premium:
- +1000% 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
+£295/mo cash flow vs Rent it out if converted to Rent by the room
22.15% Return before costs on price converted vs 9.68% as-is
As-is Rent it out
Monthly profit+£114
Return before costs on price9.68%
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+£295
Show conversion detail
Conversion cost estimate
£50,400
Range: £44,100 – £58,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,304–£78,000full refurb + room split
⚠️ Capped at 60% of £130,000 asking (£78,000). Raw model: £55,700–£102,700. Verify with a surveyor before offering.
What's in this cost
- Kitchen£6,835–£13,671
- 1 × bathroom£4,557–£8,354
- Rewire£3,342–£5,848
- Replumb£2,506–£5,013
- Windows£8,354–£15,038
- Paint + decor£6,684–£11,696
- Flooring£10,025–£18,380
Comparables
sold within 0.5 miWide · CV 37.7%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
- GoodBrinsworth Manor Junior SchoolPrimary · Academy converter · S60 5BX
- GoodBrinsworth Whitehill Primary SchoolPrimary · Academy converter · S60 5HT
- GoodCatcliffe Primary SchoolPrimary · Academy converter · S60 5SW
- GoodTreeton Church of England Primary SchoolPrimary · Academy converter · S60 5QS
- InadequateBrinsworth Manor Infant SchoolPrimary · Academy sponsor led · S60 5BX
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£12,588
Section 24 credit£0
Annual tax due£387
Post-tax Monthly profit annual£1,167
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£10,353
Rates as of Oct 2024
Acquisition costs
£60,540cash neededPurchase price£130,000
Deposit (25%)£32,500
Stamp duty+5% additional-property surcharge£6,600
Refurb£16,790
Legal + survey£1,700
Mortgage fees£2,950
Total cash neededdeposit + costs (loan covers the rest)£60,540
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Attractive & Characterful 3-Bedroom Terraced Home – Willan Drive, Catcliffe
A beautifully presented three-bedroom traditional mid-terrace home situated on a quiet road in the popular residential area of Catcliffe.
Blending charming character features with crisp modern interiors, this property offers spacious living across three floors, complete with a private rear garden.
Key Features • Three Well-Proportioned Bedrooms: Arranged across the upper floors, including a convert…
Floor plans
Nearby active comparables3 rentals · 5 deals
Comparable rentals
S60 · same beds + typeMedian nearby: £1,330/mo · 3 of 3 already let+£281 vs our est
- Canklow Road, Rotherham S60Let3b£750/moMay 2026
- Moorgate Boulevard, Rotherham S60Let3b£1,330/moJun 2025
- Moorgate Boulevard, Rotherham S60Let3b£1,505/moJun 2025
Listing metazoopla · Blundells - Rotherham Sales
About this listing
3 days · ZooplaPrice history
5-year price trend
Monthly profit
+£105
Cash needed
£61K
Return after costs
2.08%
IRR
2.59%
Listed 3d ago
Willan Drive, Catcliffe, Rotherham, South Yorkshire S60
terraced · 3 bed · 1 bath
£130,000
est £1,049 · 9.68% gross
EPC E
Priced below market
1 / 27
80/100
Strong
Real 9.68% — fundamentals work.
Priced below market -15% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.68% Return before costs — above-market
Energy rating E — Min. energy standard blocker by 2030 (~£6,000–£12,000 upgrade)
Price
£130K
15% below sold comps
Return before costs
9.68%
est rent £1,049/monot enough comparablesRange £949–£1,160/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
E
MEES (Minimum Energy Efficiency Standards) blocker by 2030
~£6,000–£12,000 upgrade
~£6,000–£12,000 upgrade
Deal flags1 issue
EPC E — 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 (£)
Local comp range: £949–£1,160/mo · n=30
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 (£12,593–£23,506 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 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
+£105
after mortgage, operating costs & tax
Rent in£1,049/mo gross
£1,009/mo collected · £40/mo lost to voids
Where it goes
£528Mortgage£351Costs
£105/mo left as profit · 10% of rent kept
Mortgage£528
Costs£351
Management£105
Maintenance£50
Insurance£20
CapEx reserve£52
Voids + council tax£6
Ltd co. accounts£104
Selective licensing£14
Tax£25
Profit+£105
Returns
Return before costs on price9.68%
Cash return on cash2.08%
Gross margin£658
Cash needed£60,540
Monthly profit payback48y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.91
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Rotherham · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Rotherham
- LHA monthly cap:
- £549
- Scheme type:
- none
- Premium:
- +1000% 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 | £12,588 | £4,212 | £6,338 | £0 | £387 | £1,651 | £1,651 |
| Year 2 | £12,966 | £4,339 | £6,338 | £0 | £435 | £1,855 | £3,506 |
| Year 3 | £13,355 | £4,469 | £6,338 | £0 | £484 | £2,064 | £5,570 |
| Year 4 | £13,755 | £4,603 | £6,338 | £0 | £535 | £2,280 | £7,850 |
| Year 5 | £14,168 | £4,741 | £6,338 | £0 | £587 | £2,503 | £10,353 |
Rent by the room upside
What we verified
5016
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▾
EPC~£6,000–£12,000 to upgrade to CE
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 37.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,268
Annual rental tax£295
CGT yr 5£0 · company level
5y net total£10,353
Acquisition costs
25% deposit£32,500
Stamp duty£6,600
Refurb£16,790
Legal + survey£1,700
Mortgage + broker£2,950
Cash needed£60,540
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
Attractive & Characterful 3-Bedroom Terraced Home – Willan Drive, Catcliffe
A beautifully presented three-bedroom traditional mid-terrace home situated on a quiet road in the popular residential area of Catcliffe.
Blending charming character features with crisp modern interiors, this property offers spacious living across three floors, complete with a private rear garden.
Key Features • Three Well-Proportioned Bedrooms: Arranged across the upper floors, including a convert…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice