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Year 5 disposal
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65/ 100
Solid
10.51% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 10.51% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- Long lease (114 yrs) — no short-lease drag
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£1,821/mo — heavily negative — needs monthly capital injection
- 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
−£2K/mo
You top up £2K/mo
Price
£120K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
£50K
Deposit + fees + refurb
Return before costs on price 10.51%5-yr return on cash -225%Rent est. £1,051 (£925–£1,194)
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: £925–£1,194/mo · n=108
Financing
DepositYour cash in — the rest is the mortgage25% · £30,000
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 (£6,638–£12,391 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £90,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£1,821
after mortgage, operating costs & tax
Rent in£1,051/mo gross
£1,011/mo collected · £40/mo lost to voids
Where it goes
£488Mortgage£2,344Costs
Outgoings exceed rent — you top up £1,821/mo
Mortgage£488
Costs£2,344
Management£105
Maintenance£67
Insurance£20
CapEx reserve£53
Voids + council tax£8
Service charge + ground rent£1,988
Ltd co. accounts£104
Tax—
Shortfall−£1,821
Returns
Return before costs on price10.51%
Cash return on cash-44.02%
Gross margin-£1,334
Cash needed£49,651
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.07
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 | £12,612 | £28,132 | £5,850 | £0 | £0 | -£21,370 | -£21,370 |
| Year 2 | £12,990 | £28,976 | £5,850 | £0 | £0 | -£21,836 | -£43,206 |
| Year 3 | £13,380 | £29,846 | £5,850 | £0 | £0 | -£22,315 | -£65,522 |
| Year 4 | £13,781 | £30,741 | £5,850 | £0 | £0 | -£22,809 | -£88,331 |
| Year 5 | £14,195 | £31,663 | £5,850 | £0 | £0 | -£23,318 | -£111,649 |
Disposal gain (gross)-£7,674
CGT£0
Net Disposal proceeds£129,177
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
Leasehold114 yr
Tenure & planning114 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
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
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
OK
Floor
EWS1 typically required above 18m
Floor 0
Lender impact
Ground floor — building almost certainly ≤ 11 m, EWS1 likely not required (RICS Mar 2021 guidance).
Mortgageable
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →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 cohortTN4 9QX · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Sussex · 38.8 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
1-bed · 1-bath · 546 sqft
£17k–£34k
£ per sqft
building cost only
£31–£62
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£3,822–£7,098
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,006–£11,466
Guide rates · UK May 2026
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 — -£1,821/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 | 10.51% | -£1,821 | £49,651 | -224.9% | Low | Feasible |
| Housing-benefit rent | 7.98% | -£2,081 | £49,651 | -255.5% | Med | Feasible |
| Council lease | 7.98% | -£1,988 | £49,651 | -251.5% | Low | Feasible |
| Refurb & refinance | 10.51% | -£1,821 | £59,191 | -188.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£2,179 | £140,391 | -5% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA High Weald · cap £798/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- High Weald
- LHA monthly cap:
- £798
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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
+£294/mo cash flow vs Rent it out if converted to Rent by the room
24.00% Return before costs on price converted vs 10.51% as-is
As-is Rent it out
Monthly profit+£147
Return before costs on price10.51%
Cash needed£41,898
If converted to Rent by the room
Monthly profit+£441
Return before costs on price24.00%
Cash needed£57,898
Δ vs Rent it out Monthly profit+£294
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
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
- GoodBishops Down Primary and Nursery SchoolPrimary · Community school · TN4 9SU
- GoodSt Augustine's Catholic Primary SchoolPrimary · Academy converter · TN4 9AL
- Requires improvementSt Matthew's High Brooms Church of England Voluntary Controlled Primary SchoolPrimary · Voluntary controlled school · TN4 9DY
- InadequateOA Tunbridge WellsNot applicable · Academy alternative provision sponsor led · TN4 9TX
- Not ratedRose Hill SchoolNot applicable · Other independent school · TN4 9SY
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£12,612
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£21,855
Exit costs
Projected sale price (5y · 2%/yr growth)£132,490
Capital gain (pre-CGT)£12,490
Sale costs (~2.5%)£3,312
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-£111,649
Rates as of Oct 2024
Acquisition costs
£49,651cash neededPurchase price£120,000
Deposit (25%)£30,000
Stamp duty+5% additional-property surcharge£6,000
Refurb£8,851
Legal + survey£2,000
Mortgage fees£2,800
Total cash neededdeposit + costs (loan covers the rest)£49,651
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Culverden Park Road is in a sought-after location within walking distance of the town centre with its excellent shops, restaurants, cafes, and bars. The High Street's independent shops and cafes lead to the Pantiles, its Georgian colonnade of shops/restaurants providing alfresco dining, jazz festivals, and year-round farmer's market.
The property is ideally placed for excellent schools, both private and state, including many renowned grammar and independent schools such as T…
Floor plans
Listing metazoopla · Andrews - Tunbridge Wells
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£1,821
Cash needed
£50K
Return after costs
-44.02%
IRR
—
Culverden Park Road, Tunbridge Wells, Kent TN4
flat · 1 bed · 1 bath · 546 sqft
£120,000
est £1,051 · 10.51% gross
Leasehold 114yrEPC C
1 / 11
65/100
Solid
10.51% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.51% Return before costs — above-market
Price
£120K
Return before costs
10.51%
est rent £1,051/monot enough comparablesRange £925–£1,194/mo (Q1–Q3)
Bedrooms
1
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: £925–£1,194/mo · n=108
Financing
DepositYour cash in — the rest is the mortgage25% · £30,000
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 (£6,638–£12,391 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £90,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£1,821
after mortgage, operating costs & tax
Rent in£1,051/mo gross
£1,011/mo collected · £40/mo lost to voids
Where it goes
£488Mortgage£2,344Costs
Outgoings exceed rent — you top up £1,821/mo
Mortgage£488
Costs£2,344
Management£105
Maintenance£67
Insurance£20
CapEx reserve£53
Voids + council tax£8
Service charge + ground rent£1,988
Ltd co. accounts£104
Tax—
Shortfall−£1,821
Returns
Return before costs on price10.51%
Cash return on cash-44.02%
Gross margin-£1,334
Cash needed£49,651
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.07
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA High Weald · cap £798/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- High Weald
- LHA monthly cap:
- £798
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £12,612 | £28,132 | £5,850 | £0 | £0 | -£21,370 | -£21,370 |
| Year 2 | £12,990 | £28,976 | £5,850 | £0 | £0 | -£21,836 | -£43,206 |
| Year 3 | £13,380 | £29,846 | £5,850 | £0 | £0 | -£22,315 | -£65,522 |
| Year 4 | £13,781 | £30,741 | £5,850 | £0 | £0 | -£22,809 | -£88,331 |
| Year 5 | £14,195 | £31,663 | £5,850 | £0 | £0 | -£23,318 | -£111,649 |
Rent by the room upside
What we verified
5306
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining114 yr
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
Service chargeReduces net yield£23,513/yr
Ground rentDoubling clauses kill mortgageability£350/yr
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,170
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£111,649
Acquisition costs
25% deposit£30,000
Stamp duty£6,000
Refurb£8,851
Legal + survey£2,000
Mortgage + broker£2,800
Cash needed£49,651
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
Culverden Park Road is in a sought-after location within walking distance of the town centre with its excellent shops, restaurants, cafes, and bars. The High Street's independent shops and cafes lead to the Pantiles, its Georgian colonnade of shops/restaurants providing alfresco dining, jazz festivals, and year-round farmer's market.
The property is ideally placed for excellent schools, both private and state, including many renowned grammar and independent schools such as T…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice