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Year 5 disposal
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23/ 100
Weak
6.34% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Long lease (258 yrs) — no short-lease drag
Why to be cautious
- Monthly profit −£168/mo — mildly negative — equity build may cover
- -1.6% 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
−£168/mo
You top up £168/mo
Price vs market
Above comparable sales
+10% vs 12 sold
Return · IRR
-1.6%/yr
Loses money over 5 years
Cash to get in
£136K
Deposit + fees + refurb
Price £350KReturn before costs on price 6.34%5-yr return on cash -1%Rent est. £1,850 (£1,709–£2,003)
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: £1,709–£2,003/mo · n=117
Financing
DepositYour cash in — the rest is the mortgage25% · £87,500
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 (£11,182–£20,873 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,500 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£168
after mortgage, operating costs & tax
Rent in£1,850/mo gross
£1,779/mo collected · £71/mo lost to voids
Where it goes
£1,422Mortgage£525Costs
Outgoings exceed rent — you top up £168/mo
Mortgage£1,422
Costs£525
Management£185
Maintenance£67
Insurance£28
CapEx reserve£93
Voids + council tax£7
Service charge + ground rent£25
Ltd co. accounts£104
Selective licensing£16
Tax—
Shortfall−£168
Returns
Return before costs on price6.34%
Cash return on cash-1.48%
Gross margin£1,254
Cash needed£136,184
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.25
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 | £22,200 | £6,300 | £17,063 | £0 | £0 | -£1,162 | -£1,162 |
| Year 2 | £22,866 | £6,488 | £17,063 | £0 | £0 | -£685 | -£1,847 |
| Year 3 | £23,552 | £6,683 | £17,063 | £0 | £0 | -£194 | -£2,041 |
| Year 4 | £24,259 | £6,884 | £17,063 | £0 | £59 | £253 | -£1,787 |
| Year 5 | £24,986 | £7,090 | £17,063 | £0 | £158 | £676 | -£1,112 |
Disposal gain (gross)-£15,666
CGT£0
Net Disposal proceeds£376,768
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
Leasehold258 yr
Leaseholdmaterial factsListing extract
Lease remaining
Mortgageable ≥80yr
258 yr
Extracted from listing description · verify with solicitor
Tenure & planning258 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
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
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
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 cohortHA9 7DU · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Imperial College · 10 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 · 605 sqft · London ×1.4
£23k–£45k
£ per sqft
building cost only
£39–£75
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 1 × bathroom · Full strip + retile£4,200–£8,400
- Paint + decor£6,050–£10,890
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,470–£15,730
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
Council lease wins — +£77/mo · £229/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 | 6.34% | -£168 | £136,184 | -0.8% | Low | Feasible |
| Housing-benefit rent | 3.76% | -£843 | £136,184 | -31.6% | Med | Feasible |
| ⭐ Council lease | 6.34% | +£77 | £136,184 | 6.8% | Low | Feasible |
| Refurb & refinance | 6.34% | -£152 | £159,648 | -0.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£224 | £398,398 | 5% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA North West London · cap £1,097/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- North West London
- LHA monthly cap:
- £1,097
- 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
-£286/mo cash flow vs Rent it out if converted to Rent by the room
8.23% Return before costs on price converted vs 6.34% as-is
As-is Rent it out
Monthly profit-£69
Return before costs on price6.34%
Cash needed£99,398
If converted to Rent by the room
Monthly profit-£354
Return before costs on price8.23%
Cash needed£115,398
Δ vs Rent it out Monthly profit-£286
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 miWide · CV 24.7%Med confidence
Loading 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
- OutstandingArk Elvin AcademySecondary · Academy sponsor led · HA9 7DU
- GoodPark Lane Primary SchoolPrimary · Community school · HA9 7RY
- Not ratedBuxlow SchoolNot applicable · Other independent school · HA9 7QJ
- Not ratedWembley ManorNot applicable · Free schools special · HA9 7EU
- Not ratedWembley Primary SchoolPrimary · Community school · HA9 7NW
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£22,200
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£2,016
Exit costs
Projected sale price (5y · 2%/yr growth)£386,428
Capital gain (pre-CGT)£36,428
Sale costs (~2.5%)£9,661
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-£1,112
Rates as of Oct 2024
Acquisition costs
£136,184cash neededPurchase price£350,000
Deposit (25%)£87,500
Stamp duty+5% additional-property surcharge£25,000
Refurb£14,909
Legal + survey£2,525
Mortgage fees£6,250
Total cash neededdeposit + costs (loan covers the rest)£136,184
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Ideal for first time buyers and investors, this spacious 1 bedroom apartment, measuring 604 sq. Ft is available with incentives on selected homes. Five show homes are now available to view.
Description Show apartments now available to view
Book your viewing of this beautifully designed 1 bedroom apartment at The Pages, one of Wembley’s most exciting new residential developments.
Situated on the second floor, this exceptionally spacious home offers an impressive 604 sq. Ft.…
Floor plans
Nearby active comparables14 rentals
Comparable rentals
HA9 · same beds + typeMedian nearby: £1,650/mo · 14 of 14 already let-£200 vs our est
- Maclaren Court, Wembley, HA9Let1b£1,900/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,500/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,850/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,700/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,550/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,600/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,500/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,800/moMay 2026
- WEM Tower, Wembley, HA9Let1b£1,500/moMay 2026
- UNCLE Wembley, Wembley, HA9Let1b£1,899/moMay 2026
- Jenga Court, Wembley, HA9Let1b£1,600/moMay 2026
- Central Apartments, Wembley, HA9Let1b£1,800/moMay 2026
- Kings Drive, Wembley Park, Wembley, H…Let1b£1,150/moMay 2026
- Engineers Way, Wembley, HA9Let1b£1,825/moMay 2026
Other deals nearby
HA9 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Savills - Margaret Street New Homes
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£168
Cash needed
£136K
Return after costs
-1.48%
IRR
-1.64%
The Pages, Cecil Avenue, Wembley HA9
flat · 1 bed · 1 bath · 605 sqft
£350,000
est £1,850 · 6.34% gross
Leasehold 258yr
1 / 23
23/100
Marginal
6.34% — verify the rent + comps locally.
6.34% Return before costs — around the area average for this property type.
Monthly profit −£168/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£350K
10% above sold comps
Return before costs
6.34%
est rent £1,850/monot enough comparablesRange £1,709–£2,003/mo (Q1–Q3)
Bedrooms
1
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: £1,709–£2,003/mo · n=117
Financing
DepositYour cash in — the rest is the mortgage25% · £87,500
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 (£11,182–£20,873 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £262,500 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£168
after mortgage, operating costs & tax
Rent in£1,850/mo gross
£1,779/mo collected · £71/mo lost to voids
Where it goes
£1,422Mortgage£525Costs
Outgoings exceed rent — you top up £168/mo
Mortgage£1,422
Costs£525
Management£185
Maintenance£67
Insurance£28
CapEx reserve£93
Voids + council tax£7
Service charge + ground rent£25
Ltd co. accounts£104
Selective licensing£16
Tax—
Shortfall−£168
Returns
Return before costs on price6.34%
Cash return on cash-1.48%
Gross margin£1,254
Cash needed£136,184
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.25
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA North West London · cap £1,097/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- North West London
- LHA monthly cap:
- £1,097
- 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 | £22,200 | £6,300 | £17,063 | £0 | £0 | -£1,162 | -£1,162 |
| Year 2 | £22,866 | £6,488 | £17,063 | £0 | £0 | -£685 | -£1,847 |
| Year 3 | £23,552 | £6,683 | £17,063 | £0 | £0 | -£194 | -£2,041 |
| Year 4 | £24,259 | £6,884 | £17,063 | £0 | £59 | £253 | -£1,787 |
| Year 5 | £24,986 | £7,090 | £17,063 | £0 | £158 | £676 | -£1,112 |
Rent by the room upside
What we verified
4207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining258 yr
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
Service chargeReduces net yield£5/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 miWide · CV 24.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,413
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£1,112
Acquisition costs
25% deposit£87,500
Stamp duty£25,000
Refurb£14,909
Legal + survey£2,525
Mortgage + broker£6,250
Cash needed£136,184
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
Ideal for first time buyers and investors, this spacious 1 bedroom apartment, measuring 604 sq. Ft is available with incentives on selected homes. Five show homes are now available to view.
Description Show apartments now available to view
Book your viewing of this beautifully designed 1 bedroom apartment at The Pages, one of Wembley’s most exciting new residential developments.
Situated on the second floor, this exceptionally spacious home offers an impressive 604 sq. Ft.…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice