-3.9% 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
−£34/mo
You top up £34/mo
Price vs market
Above comparable sales
+71% vs 12 sold
Return · IRR
-3.9%/yr
Loses money over 5 years
Cash to get in
£27K
Deposit + fees + refurb
Price £65KReturn before costson price13.68%5-yr return on cash 2%Rent est. £741 (£650–£845)
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: £650–£845/mo · n=103
Financing
DepositYour cash in — the rest is the mortgage25% · £16,250
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 (£1,125–£2,100 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £48,750 loan + £1,000 booking fee
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)£26,925
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
• Prime new listing. We are excited to present this tenanted two-bedroom flat located within a prime location in Aberdeen.
• Sales Evidence: Flat F, 5 Mercat House, Bank Street, Ferryhill, Aberdeen AB11 7st sold for £96,000; 28, Portland Street, Aberdeen AB11 6LJ sold for £120,000
• This two-bedroom flat is currently occupied with a rental income of £675pcm (£8,100 per annum), offering immediate cash flow for buy-to-let landlords.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
13.68% Return before costs — above-market
Price
£65K
71% above sold comps
Return before costs
13.68%
est rent £741/monot enough comparablesRange £650–£845/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
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: £650–£845/mo · n=103
Financing
DepositYour cash in — the rest is the mortgage25% · £16,250
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 (£1,125–£2,100 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £48,750 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £648/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Aberdeen and Shire
LHA monthly cap:
£648
Scheme type:
none
Premium:
+700% 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
£8,892
£5,784
£3,169
£0
£0
-£61
-£61
Year 2
£9,159
£5,958
£3,169
£0
£6
£26
-£35
Year 3
£9,434
£6,137
£3,169
£0
£24
£104
£69
Year 4
£9,717
£6,321
£3,169
£0
£43
£184
£253
Year 5
£10,008
£6,510
£3,169
£0
£63
£266
£519
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
3207
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
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
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Wide · CV 49.5%Med confidence
Loading nearby sold…
Location & transport
Score 50/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£634
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£519
Acquisition costs
£27K
25% deposit£16,250
Stamp duty£5,200
Refurb£1,500
Legal + survey£2,000
Mortgage + broker£1,975
Cash needed£26,925
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
• Prime new listing. We are excited to present this tenanted two-bedroom flat located within a prime location in Aberdeen.
• Sales Evidence: Flat F, 5 Mercat House, Bank Street, Ferryhill, Aberdeen AB11 7st sold for £96,000; 28, Portland Street, Aberdeen AB11 6LJ sold for £120,000
• This two-bedroom flat is currently occupied with a rental income of £675pcm (£8,100 per annum), offering immediate cash flow for buy-to-let landlords.