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Year 5 disposal
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Weak
3.94% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- 3.94% return — below most lender Rent-covers-mortgage checks
- Monthly profit −£730/mo — heavily negative — needs monthly capital injection
- -6.6% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£730/mo
You top up £730/mo
Price
£375K
No local sold comps to compare
Return · IRR
-6.6%/yr
Loses money over 5 years
Cash to get in
£145K
Deposit + fees + refurb
Return before costs on price 3.94%5-yr return on cash -26%Rent est. £1,232 (£1,184–£1,282)
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: £1,184–£1,282/mo · n=34
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £281,250 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
-£730
after mortgage, operating costs & tax
Rent in£1,232/mo gross
£1,185/mo collected · £47/mo lost to voids
Where it goes
£1,523Mortgage£392Costs
Outgoings exceed rent — you top up £730/mo
Mortgage£1,523
Costs£392
Management£123
Maintenance£67
Insurance£28
CapEx reserve£62
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£730
Returns
Return before costs on price3.94%
Cash return on cash-6.04%
Gross margin£793
Cash needed£145,136
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.78
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 | £14,784 | £4,698 | £18,281 | £0 | £0 | -£8,195 | -£8,195 |
| Year 2 | £15,228 | £4,839 | £18,281 | £0 | £0 | -£7,893 | -£16,088 |
| Year 3 | £15,684 | £4,984 | £18,281 | £0 | £0 | -£7,581 | -£23,669 |
| Year 4 | £16,155 | £5,134 | £18,281 | £0 | £0 | -£7,260 | -£30,929 |
| Year 5 | £16,640 | £5,288 | £18,281 | £0 | £0 | -£6,929 | -£37,859 |
Disposal gain (gross)-£16,081
CGT£0
Net Disposal proceeds£403,680
What we verified
What we verified
51065 ok · 1 caution · 0 fail · 6 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 ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand 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
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 cohortSN1 4JZ · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Bath · 41.2 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 · 990 sqft
£25k–£49k
£ per sqft
building cost only
£25–£49
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
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
Rent by the room wins — -£678/mo · £52/mo ahead of Rent it out (after room-conversion)
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 3.94% | -£730 | £145,136 | -26.1% | Low | Feasible |
| Housing-benefit rent | 3.03% | -£1,025 | £145,136 | -37.9% | Med | Feasible |
| Council lease | 3.03% | -£823 | £145,136 | -32.2% | Low | Feasible |
| Refurb & refinance | 3.94% | -£730 | £169,930 | -22.3% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £425,805 | 5% | Med | Feasible |
| ⭐ Rent by the room | 6.96% | -£678 | £145,136 | -18.4% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £947/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swindon
- LHA monthly cap:
- £947
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- 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
+£216/mo cash flow vs Rent it out if converted to Rent by the room
7.68% Return before costs on price converted vs 3.94% as-is
As-is Rent it out
Monthly profit-£668
Return before costs on price3.94%
Cash needed£105,648
If converted to Rent by the room
Monthly profit-£452
Return before costs on price7.68%
Cash needed£121,648
Δ vs Rent it out Monthly profit+£216
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,990–£92,080full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
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 & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- Not ratedLethbridge Primary SchoolPrimary · Academy converter · SN1 4BY
- Not ratedThe Commonweal SchoolSecondary · Academy converter · SN1 4JE
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£14,784
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£8,764
Exit costs
Projected sale price (5y · 2%/yr growth)£414,030
Capital gain (pre-CGT)£39,030
Sale costs (~2.5%)£10,351
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-£37,859
Rates as of Oct 2024
Acquisition costs
£145,136cash neededPurchase price£375,000
Deposit (25%)£93,750
Stamp duty+5% additional-property surcharge£27,500
Refurb£15,111
Legal + survey£2,150
Mortgage fees£6,625
Total cash neededdeposit + costs (loan covers the rest)£145,136
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
House are pleased to market this well presented three bedroom semi detached family home, situated at the head of a quiet cul-de-sac in the sought after location of Old Town.
The property offers spacious and versatile accommodation throughout. This fantastic family home is ideally situated and ready for its new owners to move straight in and enjoy.
Ground Floor The accommodation comprises a welcoming entrance hallway, sitting room with an opening into the spacious kitchen/di…
Floor plans
Listing metazoopla · The House Group
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£730
Cash needed
£145K
Return after costs
-6.04%
IRR
-6.59%
Bankside, Old Town, Swindon SN1
semi_detached · 3 bed · 1 bath
£375,000
est £1,232 · 3.94% gross
EPC D
1 / 26
0/100
Marginal
3.94% — verify the rent + comps locally.
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£375K
Return before costs
3.94%
est rent £1,232/monot enough comparablesRange £1,184–£1,282/mo (Q1–Q3)
Bedrooms
3
1 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
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: £1,184–£1,282/mo · n=34
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £281,250 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
-£730
after mortgage, operating costs & tax
Rent in£1,232/mo gross
£1,185/mo collected · £47/mo lost to voids
Where it goes
£1,523Mortgage£392Costs
Outgoings exceed rent — you top up £730/mo
Mortgage£1,523
Costs£392
Management£123
Maintenance£67
Insurance£28
CapEx reserve£62
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£730
Returns
Return before costs on price3.94%
Cash return on cash-6.04%
Gross margin£793
Cash needed£145,136
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.78
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £947/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swindon
- LHA monthly cap:
- £947
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- 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 | £14,784 | £4,698 | £18,281 | £0 | £0 | -£8,195 | -£8,195 |
| Year 2 | £15,228 | £4,839 | £18,281 | £0 | £0 | -£7,893 | -£16,088 |
| Year 3 | £15,684 | £4,984 | £18,281 | £0 | £0 | -£7,581 | -£23,669 |
| Year 4 | £16,155 | £5,134 | £18,281 | £0 | £0 | -£7,260 | -£30,929 |
| Year 5 | £16,640 | £5,288 | £18,281 | £0 | £0 | -£6,929 | -£37,859 |
Rent by the room upside
What we verified
5106
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▾
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
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,656
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£37,859
Acquisition costs
25% deposit£93,750
Stamp duty£27,500
Refurb£15,111
Legal + survey£2,150
Mortgage + broker£6,625
Cash needed£145,136
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
House are pleased to market this well presented three bedroom semi detached family home, situated at the head of a quiet cul-de-sac in the sought after location of Old Town.
The property offers spacious and versatile accommodation throughout. This fantastic family home is ideally situated and ready for its new owners to move straight in and enjoy.
Ground Floor The accommodation comprises a welcoming entrance hallway, sitting room with an opening into the spacious kitchen/di…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice