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Year 5 disposal
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0/ 100
Weak
4.94% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£460/mo — significantly negative — real recurring drain
- -4.4% 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
−£460/mo
You top up £460/mo
Price
£350K
No local sold comps to compare
Return · IRR
-4.4%/yr
Loses money over 5 years
Cash to get in
£136K
Deposit + fees + refurb
Return before costs on price 4.94%5-yr return on cash -15%Rent est. £1,440 (£1,222–£1,697)
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: £1,222–£1,697/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · £87,499
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 £262,496.25 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
-£460
after mortgage, operating costs & tax
Rent in£1,440/mo gross
£1,385/mo collected · £55/mo lost to voids
Where it goes
£1,422Mortgage£422Costs
Outgoings exceed rent — you top up £460/mo
Mortgage£1,422
Costs£422
Management£144
Maintenance£67
Insurance£28
CapEx reserve£72
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£460
Returns
Return before costs on price4.94%
Cash return on cash-4.06%
Gross margin£962
Cash needed£136,010
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.97
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 | £17,280 | £5,070 | £17,062 | £0 | £0 | -£4,852 | -£4,852 |
| Year 2 | £17,798 | £5,222 | £17,062 | £0 | £0 | -£4,485 | -£9,337 |
| Year 3 | £18,332 | £5,378 | £17,062 | £0 | £0 | -£4,108 | -£13,445 |
| Year 4 | £18,882 | £5,540 | £17,062 | £0 | £0 | -£3,720 | -£17,165 |
| Year 5 | £19,449 | £5,706 | £17,062 | £0 | £0 | -£3,319 | -£20,484 |
Disposal gain (gross)-£15,494
CGT£0
Net Disposal proceeds£376,762
What we verified
What we verified
30093 ok · 0 caution · 0 fail · 9 unknown
Legal & planning
LeaseholdUnknown
Tenure & planningUnknown
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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 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
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 cohortNN6 0RP · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Cambridge · 60.9 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 · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- 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 it out wins — -£460/mo · level with Refurb & refinance
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| ⭐ Rent it out | 4.94% | -£460 | £136,010 | -15.1% | Low | Feasible |
| Housing-benefit rent | 3.08% | -£959 | £136,010 | -37.8% | Med | Feasible |
| Council lease | 3.08% | -£768 | £136,010 | -32.1% | Low | Feasible |
| Refurb & refinance | 4.94% | -£460 | £159,554 | -12.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £398,300 | 5% | Med | Feasible |
| Rent by the room | 6.43% | -£781 | £136,010 | -25.8% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Northampton · cap £898/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Northampton
- LHA monthly cap:
- £898
- Scheme type:
- leasing
- Premium:
- +0% 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
+£47/mo cash flow vs Rent it out if converted to Rent by the room
8.23% Return before costs on price converted vs 4.94% as-is
As-is Rent it out
Monthly profit-£401
Return before costs on price4.94%
Cash needed£99,397
If converted to Rent by the room
Monthly profit-£354
Return before costs on price8.23%
Cash needed£115,397
Δ vs Rent it out Monthly profit+£47
Show conversion detail
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£54,690–£102,530full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- 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 & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodEcton Village Primary SchoolPrimary · Academy sponsor led · NN6 0QF
- GoodMears Ashby Church of England Primary SchoolPrimary · Academy sponsor led · NN6 0DW
- Not ratedOverstone Park SchoolNot applicable · Other independent special school · NN6 0DT
- Not ratedOverstone Primary SchoolPrimary · Community school · NN6 0AG
- Not ratedSywell Church of England Primary SchoolPrimary · Academy converter · NN6 0AW
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£17,280
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£5,516
Exit costs
Projected sale price (5y · 2%/yr growth)£386,423
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-£20,484
Rates as of Oct 2024
Acquisition costs
£136,010cash neededPurchase price£349,995
Deposit (25%)£87,499
Stamp duty+5% additional-property surcharge£25,000
Refurb£15,111
Legal + survey£2,150
Mortgage fees£6,250
Total cash neededdeposit + costs (loan covers the rest)£136,010
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
The Kennett - Discover three storey living in this 3 bedroom home. On the ground floor you'll find an open-plan kitchen and dining area with French doors onto the garden. Relax in a spacious bay-fronted lounge. Upstairs are two double bedrooms and a separate bathroom. The top floor is dedicated to the main bedroom with an en suite shower room
Rooms
1
• Bathroom (2498mm x 1985mm (8'2" x 6'6"))
• Bedroom 2 (4116mm x 2659mm (13'6" x 8'8"))
• Bedroom 3 (3658mm x 2659mm (12'0…
Floor plans
Listing metazoopla · David Wilson Homes - Overstone Gate
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£460
Cash needed
£136K
Return after costs
-4.06%
IRR
-4.37%
"Kennett" at Stratford Drive, Overstone NN6
semi_detached · 3 bed · 2 bath
£349,995
est £1,440 · 4.94% gross
1 / 9
0/100
Marginal
4.94% — verify the rent + comps locally.
4.94% Return before costs — around the area average for this property type.
Monthly profit −£460/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£350K
Return before costs
4.94%
est rent £1,440/monot enough comparablesRange £1,222–£1,697/mo (Q1–Q3)
Bedrooms
3
2 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: £1,222–£1,697/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · £87,499
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 £262,496.25 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
-£460
after mortgage, operating costs & tax
Rent in£1,440/mo gross
£1,385/mo collected · £55/mo lost to voids
Where it goes
£1,422Mortgage£422Costs
Outgoings exceed rent — you top up £460/mo
Mortgage£1,422
Costs£422
Management£144
Maintenance£67
Insurance£28
CapEx reserve£72
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£460
Returns
Return before costs on price4.94%
Cash return on cash-4.06%
Gross margin£962
Cash needed£136,010
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.97
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Northampton · cap £898/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Northampton
- LHA monthly cap:
- £898
- Scheme type:
- leasing
- Premium:
- +0% 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 | £17,280 | £5,070 | £17,062 | £0 | £0 | -£4,852 | -£4,852 |
| Year 2 | £17,798 | £5,222 | £17,062 | £0 | £0 | -£4,485 | -£9,337 |
| Year 3 | £18,332 | £5,378 | £17,062 | £0 | £0 | -£4,108 | -£13,445 |
| Year 4 | £18,882 | £5,540 | £17,062 | £0 | £0 | -£3,720 | -£17,165 |
| Year 5 | £19,449 | £5,706 | £17,062 | £0 | £0 | -£3,319 | -£20,484 |
Rent by the room upside
What we verified
4008
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeUnknown
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
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£3,412
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£20,484
Acquisition costs
25% deposit£87,499
Stamp duty£25,000
Refurb£15,111
Legal + survey£2,150
Mortgage + broker£6,250
Cash needed£136,010
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
The Kennett - Discover three storey living in this 3 bedroom home. On the ground floor you'll find an open-plan kitchen and dining area with French doors onto the garden. Relax in a spacious bay-fronted lounge. Upstairs are two double bedrooms and a separate bathroom. The top floor is dedicated to the main bedroom with an en suite shower room
Rooms
1
• Bathroom (2498mm x 1985mm (8'2" x 6'6"))
• Bedroom 2 (4116mm x 2659mm (13'6" x 8'8"))
• Bedroom 3 (3658mm x 2659mm (12'0…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice