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Year 5 disposal
BMV -31%
⊞ View all 15
65/ 100
Solid
7.50% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.50% return before costs — above-market
- Priced below market -31% vs 12 nearby sold (last 12 mo) — instant equity
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Monthly profit −£13/mo — mildly negative — equity build may cover
- 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
−£13/mo
You top up £13/mo
Price vs market
Below market value
-31% vs 12 sold · interior unseen
Return · IRR
0.1%/yr
Modest annualised return
Cash left in
£1K
Stays in after refinancing at value
Price £165KCash to buy £56KReturn before costs on price 7.50%5-yr return on cash 6%Rent est. £1,031 (£962–£1,105)
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: £962–£1,105/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £41,250
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 (£1,125–£2,100 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £123,750 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 sub-£200K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£13
after mortgage, operating costs & tax
Rent in£1,031/mo gross
£991/mo collected · £40/mo lost to voids
Where it goes
£670Mortgage£334Costs
Outgoings exceed rent — you top up £13/mo
Mortgage£670
Costs£334
Management£103
Maintenance£50
Insurance£20
CapEx reserve£52
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£13
Returns
Return before costs on price7.50%
Cash return on cash-0.27%
Gross margin£658
Cash needed£56,175
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.48
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £12,372 | £4,004 | £8,044 | £0 | £62 | £262 | £262 |
| Year 2 | £12,743 | £4,124 | £8,044 | £0 | £109 | £466 | £728 |
| Year 3 | £13,125 | £4,248 | £8,044 | £0 | £158 | £676 | £1,403 |
| Year 4 | £13,519 | £4,376 | £8,044 | £0 | £209 | £891 | £2,294 |
| Year 5 | £13,925 | £4,507 | £8,044 | £0 | £261 | £1,113 | £3,408 |
Disposal gain (gross)£1,169
CGT£222
Net Disposal proceeds£177,397
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 constraintsCADW 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
Wales uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileFamily let
Tenant profilelikely cohortSA4 6QD · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Cardiff University · 63.8 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
Council lease wins — +£109/mo · £122/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 7.50% | -£13 | £56,175 | 6.1% | Low | Feasible |
| Housing-benefit rent | 4.35% | -£404 | £56,175 | -36.2% | Med | Feasible |
| ⭐ Council lease | 7.50% | +£109 | £56,175 | 16.0% | Low | Feasible |
| Refurb & refinance | 7.50% | -£13 | £65,025 | 5.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £177,050 | 10% | Med | Feasible |
| Rent by the room | 10.91% | -£220 | £56,175 | -7.3% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £598/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swansea
- LHA monthly cap:
- £598
- Scheme type:
- leasing
- Premium:
- +800% 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
+£309/mo cash flow vs Rent it out if converted to Rent by the room
17.45% Return before costs on price converted vs 7.50% as-is
As-is Rent it out
Monthly profit-£11
Return before costs on price7.50%
Cash needed£53,148
If converted to Rent by the room
Monthly profit+£298
Return before costs on price17.45%
Cash needed£69,148
Δ vs Rent it out Monthly profit+£309
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 miWide · CV 34.7%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- Not ratedCasllwchwr Primary SchoolNot applicable · Welsh establishment · SA4 6TU
- Not ratedPontybrenin Primary SchoolNot applicable · Welsh establishment · SA4 6HX
- Not ratedTre Uchaf Primary SchoolNot applicable · Welsh establishment · SA4 6QB
- Not ratedYsgol Gynradd Gymraeg PontybreninNot applicable · Welsh establishment · SA4 6AU
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£12,372
Section 24 credit£0
Annual tax due£62
Post-tax Monthly profit annual-£214
Exit costs
Projected sale price (5y · 2%/yr growth)£182,173
Capital gain (pre-CGT)£17,173
Sale costs (~2.5%)£4,554
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£3,408
Rates as of Oct 2024
Acquisition costs
£56,175cash neededPurchase price£165,000
Deposit (25%)£41,250
Stamp duty+4% higher-rate surcharge£8,250
Refurb£1,500
Legal + survey£1,700
Mortgage fees£3,475
Total cash neededdeposit + costs (loan covers the rest)£56,175
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Diamond Properties are delighted in welcoming to the market this unique, three bedroom, modern style cottage, located in the ever so desirable Glebe Road, Loughor.
This deceptively spacious property which has been lovingly modernised benefits from a large sitting room, study/playroom, kitchen/breakfast room and a modern family bathroom, whilst to the first floor are three extremely generous sized bedrooms, to the rear of the property is a large enclosed garden with decked se…
Floor plans
Nearby active comparables4 rentals
Comparable rentals
SA4 · same beds + typeMedian nearby: £1,098/mo · 4 of 4 already let+£67 vs our est
- Anton Court, Pontarddulais, Swansea,…Let3b£1,100/moMay 2026
- Cwrt Y Brenin, Gorseinon SA4Let3b£1,050/moDec 2025
- Borough Road, Loughor, Swansea SA4Let3b£1,200/moJun 2025
- Yr Hen Gorlan, Gowerton, Swansea SA4Let3b£1,095/moJun 2025
Other deals nearby
SA4 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Diamond Properties
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£13
Cash needed
£56K
Return after costs
-0.27%
IRR
0.10%
Glebe Road, Loughor, Swansea SA4
terraced · 3 bed · 1 bath
£165,000
est £1,031 · 7.50% gross
EPC D
Priced below market
1 / 15
65/100
Solid
7.50% — verify the rent + comps locally.
Priced below market -31% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.50% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£165K
31% below sold comps
Return before costs
7.50%
est rent £1,031/monot enough comparablesRange £962–£1,105/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: £962–£1,105/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £41,250
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 (£1,125–£2,100 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £123,750 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 sub-£200K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£13
after mortgage, operating costs & tax
Rent in£1,031/mo gross
£991/mo collected · £40/mo lost to voids
Where it goes
£670Mortgage£334Costs
Outgoings exceed rent — you top up £13/mo
Mortgage£670
Costs£334
Management£103
Maintenance£50
Insurance£20
CapEx reserve£52
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£13
Returns
Return before costs on price7.50%
Cash return on cash-0.27%
Gross margin£658
Cash needed£56,175
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.48
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Swansea · cap £598/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swansea
- LHA monthly cap:
- £598
- Scheme type:
- leasing
- Premium:
- +800% 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 | £12,372 | £4,004 | £8,044 | £0 | £62 | £262 | £262 |
| Year 2 | £12,743 | £4,124 | £8,044 | £0 | £109 | £466 | £728 |
| Year 3 | £13,125 | £4,248 | £8,044 | £0 | £158 | £676 | £1,403 |
| Year 4 | £13,519 | £4,376 | £8,044 | £0 | £209 | £891 | £2,294 |
| Year 5 | £13,925 | £4,507 | £8,044 | £0 | £261 | £1,113 | £3,408 |
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 miWide · CV 34.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,609
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£3,408
Acquisition costs
25% deposit£41,250
Stamp duty£8,250
Refurb£1,500
Legal + survey£1,700
Mortgage + broker£3,475
Cash needed£56,175
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
Diamond Properties are delighted in welcoming to the market this unique, three bedroom, modern style cottage, located in the ever so desirable Glebe Road, Loughor.
This deceptively spacious property which has been lovingly modernised benefits from a large sitting room, study/playroom, kitchen/breakfast room and a modern family bathroom, whilst to the first floor are three extremely generous sized bedrooms, to the rear of the property is a large enclosed garden with decked se…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice