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Year 5 disposal
⊞ View all 8
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
Why to be cautious
- EPC F — MEES (Minimum Energy Efficiency Standards) blocker by 2030 · ~£10,000–£20,000 upgrade cost
- Monthly profit −£2,120/mo — heavily negative — needs monthly capital injection
- -15.3% 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.
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 vs market
Above comparable sales
+136% vs 12 sold
Return · IRR
-15.3%/yr
Loses money over 5 years
Cash to get in
£181K
Deposit + fees + refurb
Price £425K5-yr return on cash -71%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £106,250
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 (£24,374–£45,499 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £318,750 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£2,120
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£1,727Mortgage£393Costs
Outgoings exceed rent — you top up £2,120/mo
Mortgage£1,727
Costs£393
Maintenance£67
Insurance£40
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£2,120
Returns
Return before costs on price0.00%
Cash return on cash-14.04%
Gross margin-£393
Cash needed£181,149
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £4,722 | £20,719 | £0 | £0 | -£25,440 | -£25,440 |
| Year 2 | £0 | £4,863 | £20,719 | £0 | £0 | -£25,582 | -£51,022 |
| Year 3 | £0 | £5,009 | £20,719 | £0 | £0 | -£25,728 | -£76,750 |
| Year 4 | £0 | £5,159 | £20,719 | £0 | £0 | -£25,878 | -£102,628 |
| Year 5 | £0 | £5,314 | £20,719 | £0 | £0 | -£26,033 | -£128,661 |
Disposal gain (gross)-£35,021
CGT£0
Net Disposal proceeds£457,503
What we verified
What we verified
50165 ok · 0 caution · 1 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 ratingF · ~£10k–£20k fix
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand F
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£10k–£20k
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 cohortBN22 7QJ · 7 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Brighton · 27.6 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
7-bed · 2-bath · 1710 sqft
£41k–£80k
£ per sqft
building cost only
£24–£47
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£11,970–£22,230
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£18,810–£35,910
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingAlready licensed
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Mandatory
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 — -£33/mo · £893/mo ahead of Council lease (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 | 0.00% | -£2,120 | £181,149 | -71.0% | Low | Feasible |
| Housing-benefit rent | 3.94% | -£1,076 | £181,149 | -30.5% | Med | Feasible |
| Council lease | 3.94% | -£926 | £181,149 | -29.0% | Low | Feasible |
| Refurb & refinance | 0.00% | -£2,120 | £215,399 | -59.7% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£386 | £505,524 | 1% | Med | Feasible |
| ⭐ Rent by the room | 12.35% | -£33 | £181,149 | 11.6% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Eastbourne · cap £1,396/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Eastbourne
- LHA monthly cap:
- £1,396
- Scheme type:
- nominee
- 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
+£1,216/mo cash flow vs Rent it out if converted to Rent by the room
6.78% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£1,863
Return before costs on price0.00%
Cash needed£118,148
If converted to Rent by the room
Monthly profit-£647
Return before costs on price6.78%
Cash needed£134,148
Δ vs Rent it out Monthly profit+£1,216
Show conversion detail
Conversion cost estimate
£3,750
Range: £2,500 – £6,250
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£111,180–£196,170full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 2 × bathroom£13,500–£24,750
- Rewire£9,975–£15,960
- Replumb£7,980–£13,965
- Windows£21,945–£37,905
- Paint + decor£19,950–£33,915
- Flooring£27,930–£49,875
Comparables
sold within 0.5 miWide · CV 35.0%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
- Not ratedSt Andrew's Church of England Infants SchoolPrimary · Academy converter · BN22 7PP
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£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£25,440
Exit costs
Projected sale price (5y · 2%/yr growth)£469,234
Capital gain (pre-CGT)£44,234
Sale costs (~2.5%)£11,731
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-£128,661
Rates as of Oct 2024
Acquisition costs
£181,149cash neededPurchase price£425,000
Deposit (25%)£106,250
Stamp duty+5% additional-property surcharge£32,500
Refurb£32,499
Legal + survey£2,525
Mortgage fees£7,375
Total cash neededdeposit + costs (loan covers the rest)£181,149
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Ginger & Sanders are delighted to offer to the market this seven-bedroom House In Multiple Occupancy (HMO), situated on Seaside, Eastbourne.
Within a very short distance to the seafront and local shops, this property is currently fully let as an HMO. Currently achieving over £42k pa.
All seven rooms are bedsits with kitchenette facilities and share communal bathrooms.
Call now to book a viewing
Floor plans
Listing metazoopla · Ginger & Sanders Residential Sales & Lettings
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£2,120
Cash needed
£181K
Return after costs
-14.04%
IRR
-15.31%
Seaside, Eastbourne BN22
flat · 7 bed · 2 bath
£425,000
EPC F
1 / 8
0/100
Marginal
No rent data — verify locally before offering.
Energy rating F — Min. energy standard blocker by 2030 (~£10,000–£20,000 upgrade)
Price
£425K
136% above sold comps
Return before costs
—
rent unknown
Bedrooms
7
2 bath
Energy rating
F
MEES (Minimum Energy Efficiency Standards) blocker by 2030
~£10,000–£20,000 upgrade
~£10,000–£20,000 upgrade
Deal flags1 issue
EPC F — MEES blocker
Cannot be let on a new tenancy without upgrade to E (current) / C (2030)
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £106,250
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 (£24,374–£45,499 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £318,750 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£2,120
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£1,727Mortgage£393Costs
Outgoings exceed rent — you top up £2,120/mo
Mortgage£1,727
Costs£393
Maintenance£67
Insurance£40
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£2,120
Returns
Return before costs on price0.00%
Cash return on cash-14.04%
Gross margin-£393
Cash needed£181,149
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Eastbourne · cap £1,396/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Eastbourne
- LHA monthly cap:
- £1,396
- Scheme type:
- nominee
- 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 | £0 | £4,722 | £20,719 | £0 | £0 | -£25,440 | -£25,440 |
| Year 2 | £0 | £4,863 | £20,719 | £0 | £0 | -£25,582 | -£51,022 |
| Year 3 | £0 | £5,009 | £20,719 | £0 | £0 | -£25,728 | -£76,750 |
| Year 4 | £0 | £5,159 | £20,719 | £0 | £0 | -£25,878 | -£102,628 |
| Year 5 | £0 | £5,314 | £20,719 | £0 | £0 | -£26,033 | -£128,661 |
Rent by the room upside
What we verified
5016
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedAlready licensed
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£10,000–£20,000 to upgrade to CF
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 heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 35.0%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£4,144
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£128,661
Acquisition costs
25% deposit£106,250
Stamp duty£32,500
Refurb£32,499
Legal + survey£2,525
Mortgage + broker£7,375
Cash needed£181,149
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
Ginger & Sanders are delighted to offer to the market this seven-bedroom House In Multiple Occupancy (HMO), situated on Seaside, Eastbourne.
Within a very short distance to the seafront and local shops, this property is currently fully let as an HMO. Currently achieving over £42k pa.
All seven rooms are bedsits with kitchenette facilities and share communal bathrooms.
Call now to book a viewing
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice