Monthly profit +£213/mo from completion — the no.1 reason to invest
7.57% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
EPC D — must hit C by 2030 (~£3,000–£7,000)
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
+£213/mo
Pays you every month, net of costs
Price vs market
Above comparable sales
+151% vs 12 sold
Return · IRR
1.2%/yr
Modest annualised return
Cash to get in
£200K
Deposit + fees + refurb
Price £455KReturn before costson price7.57%5-yr return on cash 12%Rent est. £2,872 (£2,441–£3,379)
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: £2,441–£3,379/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · £113,750
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 (£30,469–£56,875 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £341,250 loan + £1,000 booking fee
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
£34,464
£7,801
£22,181
£0
£852
£3,630
£3,630
Year 2
£35,498
£8,035
£22,181
£0
£1,003
£4,279
£7,908
Year 3
£36,563
£8,276
£22,181
£0
£1,160
£4,945
£12,854
Year 4
£37,660
£8,524
£22,181
£0
£1,321
£5,633
£18,487
Year 5
£38,790
£8,780
£22,181
£0
£1,487
£6,341
£24,828
Year 5 disposal
Disposal gain (gross)-£43,477
CGT£0
Net Disposal proceeds£489,798
What we verified
What we verified
12 total · click to expand
51065 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreeholdTenure & planningFreehold
Legal & planning
1 checks
TenureFreehold
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Conversion approvability
Per-property planning assessment
Uncertain50% 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 40% (10 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
Additional HMO — 2 designations
Rates as of May 2026
Building condition
Energy ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing description
Band D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
EPC band from listing · verify certificate before exchanging
Cladding safety certificateNot stated on the listingHeritageNot 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.
Total cash neededdeposit + costs (loan covers the rest)£199,850
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
This property portfolio is located in Walsall with tenants currently situated. They are currently generating steady, rewarding rental returns for the current landlord.
For investors looking for a rewarding investment, this is a brilliant opportunity!
The portfolio comprises of:
1 x Three-Bedroom Detached House
1 x Three-Bedroom Semi-Detached House
Investment details
The portfolio currently produces an annual gross income of £24,600 with tenants currently situated. Conside…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.57% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£455K
151% above sold comps
Return before costs
7.57%
est rent £2,872/monot enough comparablesRange £2,441–£3,379/mo (Q1–Q3)
Bedrooms
6
3 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £2,441–£3,379/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · £113,750
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 (£30,469–£56,875 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £341,250 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Black Country · cap £922/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Black Country
LHA monthly cap:
£922
Scheme type:
none
Premium:
+1000% 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
£34,464
£7,801
£22,181
£0
£852
£3,630
£3,630
Year 2
£35,498
£8,035
£22,181
£0
£1,003
£4,279
£7,908
Year 3
£36,563
£8,276
£22,181
£0
£1,160
£4,945
£12,854
Year 4
£37,660
£8,524
£22,181
£0
£1,321
£5,633
£18,487
Year 5
£38,790
£8,780
£22,181
£0
£1,487
£6,341
£24,828
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)6 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
5106
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPC~£3,000–£7,000 to upgrade to CD
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 heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Wide · CV 19.8%Med confidence
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£4,436
Annual rental tax£600
CGT yr 5£0 · company level
5y net total£24,828
Acquisition costs
£200K
25% deposit£113,750
Stamp duty£35,500
Refurb£40,625
Legal + survey£2,150
Mortgage + broker£7,825
Cash needed£199,850
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
This property portfolio is located in Walsall with tenants currently situated. They are currently generating steady, rewarding rental returns for the current landlord.
For investors looking for a rewarding investment, this is a brilliant opportunity!
The portfolio comprises of:
1 x Three-Bedroom Detached House
1 x Three-Bedroom Semi-Detached House
Investment details
The portfolio currently produces an annual gross income of £24,600 with tenants currently situated. Conside…