Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Auction lot — bridging-only finance, 28-day completion
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
+£129/mo
Barely breaks even each month
Price
£50K
No local sold comps to compare
Return · IRR
5.8%/yr
Modest annualised return
Cash to get in
£25K
Deposit + fees + refurb
Return before costson price21.72%5-yr return on cash 42%Rent est. £905 (£815–£1,005)
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: £815–£1,005/mo · n=122
Financing
DepositYour cash in — the rest is the mortgage25% · £12,500
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £37,500 loan + £1,000 booking fee
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.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history0d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£129/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
21.72%
+£129
£25,167
42.3%
Low
Feasible
Housing-benefit rent
16.63%
-£59
£25,167
1.3%
Med
Feasible
Council lease
0.00%
-£569
£25,167
-141.1%
Low
Feasible
Refurb & refinance
21.72%
+£129
£30,234
35.2%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£366
£63,484
-7%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Bournemouth · cap £693/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Bournemouth
LHA monthly cap:
£693
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 impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£390/mo cash flow vs Rent it out if converted to Rent by the room
57.60% Return before costs on price converted vs 21.72% as-is
As-is Rent it out
Monthly profit+£272
Return before costson price21.72%
Cash needed£24,398
If converted to Rent by the room
Monthly profit+£662
Return before costson price57.60%
Cash needed£40,398
Δ vs Rent it outMonthly profit+£390
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 mi
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
Transport score100 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Tax treatment
£1,471/yr kept
Annual gross rent£10,860
Section 24 credit£0
Annual tax due£443
Post-tax Monthly profitannual£1,471
Exit costs
£10,639 after CGT
Projected sale price (5y · 2%/yr growth)£55,204
Capital gain (pre-CGT)£5,204
Sale costs (~2.5%)£1,380
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 profitafter CGT£10,639
Rates as of Oct 2024
Acquisition costs
£25,167cash needed
Purchase price£50,000
Deposit (25%)£12,500
Stamp duty+5% additional-property surcharge£2,500
Refurb£6,417
Legal + survey£2,000
Mortgage fees£1,750
Total cash neededdeposit + costs (loan covers the rest)£25,167
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A spacious one bedroom 2nd floor apartment situated in the popular enclave of Boscombe. This is an ideal first time purchase, lock-up and leave holiday apartment or indeed a holiday let/Air B&B.
Guide Price £50,000 to £60,000 * Buyers Premium Applies
For sale by public auction.unconditional online auction.
.
Register on this lot today. The legal pack can be downloaded from our website, .
Town & Country Property Auctions are delighted to offer For Sale by Public Auction t…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
21.72% Return before costs — above-market
Price
£50K
Return before costs
21.72%
est rent £905/monot enough comparablesRange £815–£1,005/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
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: £815–£1,005/mo · n=122
Financing
DepositYour cash in — the rest is the mortgage25% · £12,500
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £37,500 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Bournemouth · cap £693/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Bournemouth
LHA monthly cap:
£693
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
£10,860
£6,091
£2,438
£0
£443
£1,889
£1,889
Year 2
£11,186
£6,273
£2,438
£0
£470
£2,005
£3,894
Year 3
£11,521
£6,461
£2,438
£0
£498
£2,124
£6,019
Year 4
£11,867
£6,655
£2,438
£0
£527
£2,247
£8,266
Year 5
£12,223
£6,855
£2,438
£0
£557
£2,374
£10,639
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Gross Rent by the room yield—
What we verified
14 total
4307
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remainingFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition4▾
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£1,800/yr
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile3▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
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£488
Annual rental tax£364
CGT yr 5£0 · company level
5y net total£10,639
Acquisition costs
£25K
25% deposit£12,500
Stamp duty£2,500
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£1,750
Cash needed£25,167
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
Auto-saves
Description& agent copyZoopla
A spacious one bedroom 2nd floor apartment situated in the popular enclave of Boscombe. This is an ideal first time purchase, lock-up and leave holiday apartment or indeed a holiday let/Air B&B.
Guide Price £50,000 to £60,000 * Buyers Premium Applies
For sale by public auction.unconditional online auction.
.
Register on this lot today. The legal pack can be downloaded from our website, .
Town & Country Property Auctions are delighted to offer For Sale by Public Auction t…