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Year 5 disposal
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84/ 100
Strong
8.26% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£203/mo from completion — the no.1 reason to invest
- 8.26% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- 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
+£203/mo
Pays you every month, net of costs
Price
£290K
No local sold comps to compare
Return · IRR
2.0%/yr
Modest annualised return
Cash to get in
£154K
Deposit + fees + refurb
Return before costs on price 8.26%5-yr return on cash 13%Rent est. £1,995 (£1,995–£1,995)
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: £1,995–£1,995/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £72,500
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 (£40,969–£76,475 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £217,500 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 £200K–£400K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£203
after mortgage, operating costs & tax
Rent in£1,995/mo gross
£1,918/mo collected · £77/mo lost to voids
Where it goes
£1,178Mortgage£489Costs
£203/mo left as profit · 11% of rent kept
Mortgage£1,178
Costs£489
Management£200
Maintenance£50
Insurance£28
CapEx reserve£100
Voids + council tax£8
Ltd co. accounts£104
Tax£48
Profit+£203
Returns
Return before costs on price8.26%
Cash return on cash1.59%
Gross margin£1,429
Cash needed£153,625
Monthly profit payback63y
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.63
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 | £23,940 | £5,868 | £14,138 | £0 | £748 | £3,187 | £3,187 |
| Year 2 | £24,658 | £6,044 | £14,138 | £0 | £851 | £3,626 | £6,813 |
| Year 3 | £25,398 | £6,225 | £14,138 | £0 | £957 | £4,079 | £10,892 |
| Year 4 | £26,160 | £6,412 | £14,138 | £0 | £1,066 | £4,545 | £15,437 |
| Year 5 | £26,945 | £6,604 | £14,138 | £0 | £1,179 | £5,024 | £20,461 |
Disposal gain (gross)-£53,596
CGT£0
Net Disposal proceeds£312,179
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 cohortHD3 4AJ · 5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Leeds · 24 km
Reason
5-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
5-bed · 3-bath · 1350 sqft
£38k–£74k
£ per sqft
building cost only
£28–£55
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 3 × bathroom · Full strip + retile£9,975–£19,950
- Paint + decor£9,450–£17,550
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£14,850–£28,350
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingMandatory
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Mandatory
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 history0d on marketno cuts yet
Strategy matrix
Council lease wins — +£272/mo · £68/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 8.26% | +£203 | £153,625 | 13.3% | Low | Feasible |
| Housing-benefit rent | 3.41% | -£756 | £153,625 | -25.9% | Med | Feasible |
| ⭐ Council lease | 8.26% | +£272 | £153,625 | 13.6% | Low | Feasible |
| Refurb & refinance | 8.26% | +£203 | £189,975 | 10.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £387,625 | -9% | Med | Feasible |
| Rent by the room | 11.38% | -£137 | £153,625 | 4.9% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Kirklees · cap £823/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Kirklees
- LHA monthly cap:
- £823
- Scheme type:
- none
- Premium:
- +900% 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
-£350/mo cash flow vs Rent it out if converted to Rent by the room
9.93% Return before costs on price converted vs 8.26% as-is
As-is Rent it out
Monthly profit+£229
Return before costs on price8.26%
Cash needed£84,398
If converted to Rent by the room
Monthly profit-£120
Return before costs on price9.93%
Cash needed£100,398
Δ vs Rent it out Monthly profit-£350
Show conversion detail
Conversion cost estimate
£3,150
Range: £2,100 – £5,250
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£82,500–£151,500full refurb + room split
What's in this cost
- Kitchen£9,000–£18,000
- 3 × bathroom£18,000–£33,000
- Rewire£6,000–£10,500
- Replumb£4,500–£9,000
- Windows£15,000–£27,000
- Paint + decor£12,000–£21,000
- Flooring£18,000–£33,000
Comparables
sold within 0.5 miLoading 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
- GoodCrow Lane Primary and Foundation Stage SchoolPrimary · Foundation school · HD3 4QT
- GoodReinwood Infant and Nursery SchoolPrimary · Academy converter · HD3 4YL
- Not ratedHuddersfield New College16 plus · Further education · HD3 4GL
- Not ratedLuck Lane, A Share Primary AcademyPrimary · Academy sponsor led · HD3 4HA
- Not ratedReinwood Junior SchoolPrimary · Academy converter · HD3 4YL
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£23,940
Section 24 credit£0
Annual tax due£748
Post-tax Monthly profit annual£2,266
Exit costs
Projected sale price (5y · 2%/yr growth)£320,183
Capital gain (pre-CGT)£30,183
Sale costs (~2.5%)£8,005
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£20,461
Rates as of Oct 2024
Acquisition costs
£153,625cash neededPurchase price£290,000
Deposit (25%)£72,500
Stamp duty+5% additional-property surcharge£19,000
Refurb£54,625
Legal + survey£2,150
Mortgage fees£5,350
Total cash neededdeposit + costs (loan covers the rest)£153,625
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Ryder & Dutton are delighted to present this spacious 5 bedroom end terrace property to the market. Offered with no forward chain and in need of modernisation this property is a must see! Our telephone lines are open from 8AM to 8PM 7 days a week. EPC tbc
Situated in the popular residential area of Marsh, this deceptively spacious five bedroom end terrace offers generous accommodation over three floors. Offered with no forward chain and requiring modernisation, the property…
Floor plans
Listing metazoopla · Ryder & Dutton - Huddersfield
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
+£203
Cash needed
£154K
Return after costs
1.59%
IRR
2.03%
New Hey Road, Marsh, Huddersfield, West Yorkshire HD3
terraced · 5 bed · 3 bath
£290,000
est £1,995 · 8.26% gross
1 / 23
84/100
Strong
8.26% — verify the rent + comps locally.
Monthly profit +£203/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.26% Return before costs — above-market
Price
£290K
Return before costs
8.26%
est rent £1,995/monot enough comparables
Bedrooms
5
3 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: £1,995–£1,995/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £72,500
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 (£40,969–£76,475 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £217,500 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 £200K–£400K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£203
after mortgage, operating costs & tax
Rent in£1,995/mo gross
£1,918/mo collected · £77/mo lost to voids
Where it goes
£1,178Mortgage£489Costs
£203/mo left as profit · 11% of rent kept
Mortgage£1,178
Costs£489
Management£200
Maintenance£50
Insurance£28
CapEx reserve£100
Voids + council tax£8
Ltd co. accounts£104
Tax£48
Profit+£203
Returns
Return before costs on price8.26%
Cash return on cash1.59%
Gross margin£1,429
Cash needed£153,625
Monthly profit payback63y
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.63
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Kirklees · cap £823/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Kirklees
- LHA monthly cap:
- £823
- Scheme type:
- none
- Premium:
- +900% 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 | £23,940 | £5,868 | £14,138 | £0 | £748 | £3,187 | £3,187 |
| Year 2 | £24,658 | £6,044 | £14,138 | £0 | £851 | £3,626 | £6,813 |
| Year 3 | £25,398 | £6,225 | £14,138 | £0 | £957 | £4,079 | £10,892 |
| Year 4 | £26,160 | £6,412 | £14,138 | £0 | £1,066 | £4,545 | £15,437 |
| Year 5 | £26,945 | £6,604 | £14,138 | £0 | £1,179 | £5,024 | £20,461 |
Rent by the room upside
What we verified
5007
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
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 heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,828
Annual rental tax£573
CGT yr 5£0 · company level
5y net total£20,461
Acquisition costs
25% deposit£72,500
Stamp duty£19,000
Refurb£54,625
Legal + survey£2,150
Mortgage + broker£5,350
Cash needed£153,625
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
Ryder & Dutton are delighted to present this spacious 5 bedroom end terrace property to the market. Offered with no forward chain and in need of modernisation this property is a must see! Our telephone lines are open from 8AM to 8PM 7 days a week. EPC tbc
Situated in the popular residential area of Marsh, this deceptively spacious five bedroom end terrace offers generous accommodation over three floors. Offered with no forward chain and requiring modernisation, the property…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice