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Year 5 disposal
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Weak
4.41% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£951/mo — heavily negative — needs monthly capital injection
- -5.6% 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.
- 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
−£951/mo
You top up £951/mo
Price vs market
Above comparable sales
+4% vs 12 sold
Return · IRR
-5.6%/yr
Loses money over 5 years
Cash to get in
£247K
Deposit + fees + refurb
Price £630KReturn before costs on price 4.41%5-yr return on cash -18%Rent est. £2,314 (£2,192–£2,443)
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: £2,192–£2,443/mo · n=39
Financing
DepositYour cash in — the rest is the mortgage25% · £157,375
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 (£17,630–£32,908 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £472,125 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 £400K+
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£951
after mortgage, operating costs & tax
Rent in£2,314/mo gross
£2,225/mo collected · £89/mo lost to voids
Where it goes
£2,557Mortgage£619Costs
Outgoings exceed rent — you top up £951/mo
Mortgage£2,557
Costs£619
Management£231
Maintenance£100
Insurance£40
CapEx reserve£116
Voids + council tax£8
Ltd co. accounts£104
Selective licensing£20
Tax—
Shortfall−£951
Returns
Return before costs on price4.41%
Cash return on cash-4.62%
Gross margin£1,606
Cash needed£247,174
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.87
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 | £27,768 | £7,428 | £30,688 | £0 | £0 | -£10,348 | -£10,348 |
| Year 2 | £28,601 | £7,651 | £30,688 | £0 | £0 | -£9,738 | -£20,086 |
| Year 3 | £29,459 | £7,881 | £30,688 | £0 | £0 | -£9,110 | -£29,196 |
| Year 4 | £30,343 | £8,117 | £30,688 | £0 | £0 | -£8,462 | -£37,658 |
| Year 5 | £31,253 | £8,361 | £30,688 | £0 | £0 | -£7,796 | -£45,454 |
Disposal gain (gross)-£31,213
CGT£0
Net Disposal proceeds£677,643
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
Conversion approvability
Per-property planning assessment
Uncertain35% likely
Confidence: low
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 34% (224 decisions)
- NOTE: council HMO concentration policy not curated — the modal English policy (10% within 100m) is shown as an indication, not this council's adopted threshold
- NO HMO concentration data for this council: neither a licensed register nor granted change-of-use decisions nearby. This is ABSENCE OF DATA, not absence of HMOs — verify with the council before relying on it
Rent by the room concentration nearby
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
⚠️ Selective Licensing in scope
Designation 2: 18 wards (all except Wembley Park)
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 cohortHA0 3BZ · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Imperial College · 11.2 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 · 1155 sqft · London ×1.4
£37k–£70k
£ per sqft
building cost only
£32–£60
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£11,550–£20,790
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£16,170–£30,030
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 history0d on marketno cuts yet
Strategy matrix
Council lease wins — -£623/mo · £308/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 | 4.41% | -£951 | £247,174 | -18.4% | Low | Feasible |
| Housing-benefit rent | 3.19% | -£1,570 | £247,174 | -33.3% | Med | Feasible |
| ⭐ Council lease | 4.41% | -£623 | £247,174 | -12.2% | Low | Feasible |
| Refurb & refinance | 4.41% | -£931 | £288,051 | -15.3% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£244 | £718,258 | 5% | Med | Feasible |
| Rent by the room | 3.43% | -£2,073 | £247,174 | -45.9% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA North West London · cap £1,675/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- North West London
- LHA monthly cap:
- £1,675
- Scheme type:
- leasing
- Premium:
- +500% premium over LHA cap
- Typical lease:
- 0 years lease
- 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
-£662/mo cash flow vs Rent it out if converted to Rent by the room
4.58% Return before costs on price converted vs 4.41% as-is
As-is Rent it out
Monthly profit-£784
Return before costs on price4.41%
Cash needed£169,273
If converted to Rent by the room
Monthly profit-£1,446
Return before costs on price4.58%
Cash needed£185,273
Δ vs Rent it out Monthly profit-£662
Show conversion detail
Conversion cost estimate
£67,200
Range: £58,800 – £78,400
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Uncertain · 35% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 34% (224 decisions)
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
£68,460–£127,635full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 1 × bathroom£7,200–£13,200
- Rewire£5,775–£10,395
- Replumb£4,620–£9,240
- Windows£12,705–£23,100
- Paint + decor£11,550–£20,790
- Flooring£16,170–£30,030
Comparables
sold within 0.5 miWide · CV 17.7%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score70 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Article 4 for HMOs
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- OutstandingEast Lane Primary SchoolPrimary · Academy converter · HA0 3NT
- OutstandingWembley High Technology CollegeSecondary · Academy converter · HA0 3NT
- InadequateHarris Primary Academy South KentonPrimary · Academy sponsor led · HA0 3SF
- Not ratedSudbury Primary SchoolPrimary · Academy converter · HA0 3EY
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£27,768
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£11,416
Exit costs
Projected sale price (5y · 2%/yr growth)£695,019
Capital gain (pre-CGT)£65,519
Sale costs (~2.5%)£17,375
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-£45,454
Rates as of Oct 2024
Acquisition costs
£247,174cash neededPurchase price£629,500
Deposit (25%)£157,375
Stamp duty+5% additional-property surcharge£52,950
Refurb£23,506
Legal + survey£2,900
Mortgage fees£10,443
Total cash neededdeposit + costs (loan covers the rest)£247,174
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Exceptional Three-Bedroom Detached Chalet Bungalow
Situated on the highly sought-after Beaumont Avenue, HA0, this exceptional three-bedroom detached chalet bungalow offers an impressive 668 sq. Ft of beautifully presented and versatile accommodation. The property combines generous proportions with stylish contemporary interiors, creating an impressive family home that is ready to move into.
The accommodation includes three generous bedrooms, providing excellent space for fa…
Floor plans
Listing metazoopla · Simpson Reid
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£951
Cash needed
£247K
Return after costs
-4.62%
IRR
-5.55%
Beaumont Avenue, Wembley HA0
detached · 3 bed · 1 bath
£629,500
est £2,314 · 4.41% gross
1 / 12
0/100
Marginal
4.41% — verify the rent + comps locally.
4.41% Return before costs — around the area average for this property type.
Monthly profit −£951/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£630K
4% above sold comps
Return before costs
4.41%
est rent £2,314/monot enough comparablesRange £2,192–£2,443/mo (Q1–Q3)
Bedrooms
3
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: £2,192–£2,443/mo · n=39
Financing
DepositYour cash in — the rest is the mortgage25% · £157,375
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 (£17,630–£32,908 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £472,125 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 £400K+
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£951
after mortgage, operating costs & tax
Rent in£2,314/mo gross
£2,225/mo collected · £89/mo lost to voids
Where it goes
£2,557Mortgage£619Costs
Outgoings exceed rent — you top up £951/mo
Mortgage£2,557
Costs£619
Management£231
Maintenance£100
Insurance£40
CapEx reserve£116
Voids + council tax£8
Ltd co. accounts£104
Selective licensing£20
Tax—
Shortfall−£951
Returns
Return before costs on price4.41%
Cash return on cash-4.62%
Gross margin£1,606
Cash needed£247,174
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.87
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA North West London · cap £1,675/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- North West London
- LHA monthly cap:
- £1,675
- Scheme type:
- leasing
- Premium:
- +500% premium over LHA cap
- Typical lease:
- 0 years lease
- 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 | £27,768 | £7,428 | £30,688 | £0 | £0 | -£10,348 | -£10,348 |
| Year 2 | £28,601 | £7,651 | £30,688 | £0 | £0 | -£9,738 | -£20,086 |
| Year 3 | £29,459 | £7,881 | £30,688 | £0 | £0 | -£9,110 | -£29,196 |
| Year 4 | £30,343 | £8,117 | £30,688 | £0 | £0 | -£8,462 | -£37,658 |
| Year 5 | £31,253 | £8,361 | £30,688 | £0 | £0 | -£7,796 | -£45,454 |
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 17.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£6,138
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£45,454
Acquisition costs
25% deposit£157,375
Stamp duty£52,950
Refurb£23,506
Legal + survey£2,900
Mortgage + broker£10,443
Cash needed£247,174
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
Exceptional Three-Bedroom Detached Chalet Bungalow
Situated on the highly sought-after Beaumont Avenue, HA0, this exceptional three-bedroom detached chalet bungalow offers an impressive 668 sq. Ft of beautifully presented and versatile accommodation. The property combines generous proportions with stylish contemporary interiors, creating an impressive family home that is ready to move into.
The accommodation includes three generous bedrooms, providing excellent space for fa…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice