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Year 5 disposal
BMV -18%
⊞ View all 15
33/ 100
Weak
6.45% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Priced below market -18% vs 12 nearby sold (last 12 mo) — instant equity
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£140/mo — mildly negative — equity build may cover
- -2.1% 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
−£140/mo
You top up £140/mo
Price vs market
Below market value
-18% vs 12 sold · interior unseen
Return · IRR
-2.1%/yr
Loses money over 5 years
Cash left in
£40K
Stays in after refinancing at value
Price £220KCash to buy £75KReturn before costs on price 6.45%5-yr return on cash -4%Rent est. £1,182 (£1,187–£1,177)
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: £1,187–£1,177/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
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 (£)
Per-property refurb estimate from the element rate-card model (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £165,000 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£140
after mortgage, operating costs & tax
Rent in£1,182/mo gross
£1,137/mo collected · £45/mo lost to voids
Where it goes
£894Mortgage£383Costs
Outgoings exceed rent — you top up £140/mo
Mortgage£894
Costs£383
Management£118
Maintenance£67
Insurance£28
CapEx reserve£59
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£140
Returns
Return before costs on price6.45%
Cash return on cash-2.24%
Gross margin£753
Cash needed£75,250
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.27
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 | £14,184 | £4,597 | £10,725 | £0 | £0 | -£1,138 | -£1,138 |
| Year 2 | £14,610 | £4,734 | £10,725 | £0 | £0 | -£850 | -£1,988 |
| Year 3 | £15,048 | £4,877 | £10,725 | £0 | £0 | -£554 | -£2,541 |
| Year 4 | £15,499 | £5,023 | £10,725 | £0 | £0 | -£249 | -£2,790 |
| Year 5 | £15,964 | £5,174 | £10,725 | £0 | £12 | £54 | -£2,736 |
Disposal gain (gross)£875
CGT£166
Net Disposal proceeds£236,659
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
Building condition
Energy ratingC
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand C
MEES 2030 compliance
C required for new tenancies
PASS
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 profileMixed demand
Tenant profilelikely cohortSN2 2SZ · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Bath · 42.2 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 costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
2-bed · 1-bath · 810 sqft
£22k–£43k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history0d on marketno cuts yet
Strategy matrix
Rent it out wins — -£140/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 | 6.45% | -£140 | £75,250 | -3.6% | Low | Feasible |
| Housing-benefit rent | 4.27% | -£516 | £75,250 | -34.2% | Med | Feasible |
| Council lease | 4.27% | -£349 | £75,250 | -25.1% | Low | Feasible |
| Refurb & refinance | 6.45% | -£140 | £86,790 | -3.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £236,490 | 10% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £783/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swindon
- LHA monthly cap:
- £783
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- Management:
- management covered by council
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
+£227/mo cash flow vs Rent it out if converted to Rent by the room
13.09% Return before costs on price converted vs 6.45% as-is
As-is Rent it out
Monthly profit-£103
Return before costs on price6.45%
Cash needed£66,898
If converted to Rent by the room
Monthly profit+£124
Return before costs on price13.09%
Cash needed£82,898
Δ vs Rent it out Monthly profit+£227
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,690–£80,380full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
Comparables
sold within 0.5 miWide · CV 22.4%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
- GoodMoredon Primary SchoolPrimary · Academy converter · SN2 2JG
- Not ratedEven Swindon Primary SchoolPrimary · Academy converter · SN2 2UJ
- Not ratedNova Hreod AcademySecondary · Academy converter · SN2 2NQ
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£14,184
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,683
Exit costs
Projected sale price (5y · 2%/yr growth)£242,898
Capital gain (pre-CGT)£22,898
Sale costs (~2.5%)£6,072
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-£2,736
Rates as of Oct 2024
Acquisition costs
£75,250cash neededPurchase price£220,000
Deposit (25%)£55,000
Stamp duty+5% additional-property surcharge£12,900
Refurb£1,350
Legal + survey£1,700
Mortgage fees£4,300
Total cash neededdeposit + costs (loan covers the rest)£75,250
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
The little house with a seriously lovely garden...
Some homes just have that feeling about them. You know the one. You walk through the front garden, step inside, and immediately start imagining where the coffee machine will go, where the dog will dry off after a rainy walk and where you'll sit on a summer evening with a glass of something cold.
This is one of those homes.
Tucked away in Woodhall Park, this beautifully presented two-bedroom semi-detached house has been ta…
Floor plans
Listing metazoopla · EweMove Sales & Lettings - Swindon
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£140
Cash needed
£75K
Return after costs
-2.24%
IRR
-2.08%
Chives Way, Swindon SN2
semi_detached · 2 bed · 1 bath
£220,000
est £1,182 · 6.45% gross
EPC C
Priced below market
1 / 15
33/100
Marginal
6.45% — verify the rent + comps locally.
Priced below market -18% vs 12 nearby sold (last 12 mo)
Price
£220K
18% below sold comps
Return before costs
6.45%
est rent £1,182/monot enough comparables
Bedrooms
2
1 bath
Energy rating
C
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: £1,187–£1,177/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · £55,000
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 (£)
Per-property refurb estimate from the element rate-card model (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £165,000 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£140
after mortgage, operating costs & tax
Rent in£1,182/mo gross
£1,137/mo collected · £45/mo lost to voids
Where it goes
£894Mortgage£383Costs
Outgoings exceed rent — you top up £140/mo
Mortgage£894
Costs£383
Management£118
Maintenance£67
Insurance£28
CapEx reserve£59
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£140
Returns
Return before costs on price6.45%
Cash return on cash-2.24%
Gross margin£753
Cash needed£75,250
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.27
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £783/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swindon
- LHA monthly cap:
- £783
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- 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 | £14,184 | £4,597 | £10,725 | £0 | £0 | -£1,138 | -£1,138 |
| Year 2 | £14,610 | £4,734 | £10,725 | £0 | £0 | -£850 | -£1,988 |
| Year 3 | £15,048 | £4,877 | £10,725 | £0 | £0 | -£554 | -£2,541 |
| Year 4 | £15,499 | £5,023 | £10,725 | £0 | £0 | -£249 | -£2,790 |
| Year 5 | £15,964 | £5,174 | £10,725 | £0 | £12 | £54 | -£2,736 |
Rent by the room upside
What we verified
4206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingC
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miWide · CV 22.4%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,145
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£2,736
Acquisition costs
25% deposit£55,000
Stamp duty£12,900
Refurb£1,350
Legal + survey£1,700
Mortgage + broker£4,300
Cash needed£75,250
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
The little house with a seriously lovely garden...
Some homes just have that feeling about them. You know the one. You walk through the front garden, step inside, and immediately start imagining where the coffee machine will go, where the dog will dry off after a rainy walk and where you'll sit on a summer evening with a glass of something cold.
This is one of those homes.
Tucked away in Woodhall Park, this beautifully presented two-bedroom semi-detached house has been ta…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice