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Year 5 disposal
⊞ View all 20
9/ 100
Weak
5.86% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Long lease (117 yrs) — no short-lease drag
- EPC B — MEES compliant
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£421/mo — significantly negative — real recurring drain
- -3.9% 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
−£421/mo
You top up £421/mo
Price vs market
Above comparable sales
+38% vs 12 sold
Return · IRR
-3.9%/yr
Loses money over 5 years
Cash to get in
£147K
Deposit + fees + refurb
Price £385KReturn before costs on price 5.86%5-yr return on cash -11%Rent est. £1,880 (£1,655–£2,136)
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: £1,655–£2,136/mo · n=94
Financing
DepositYour cash in — the rest is the mortgage25% · £96,250
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 (£9,974–£18,617 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £288,750 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£421
after mortgage, operating costs & tax
Rent in£1,880/mo gross
£1,808/mo collected · £72/mo lost to voids
Where it goes
£1,564Mortgage£665Costs
Outgoings exceed rent — you top up £421/mo
Mortgage£1,564
Costs£665
Management£188
Maintenance£67
Insurance£28
CapEx reserve£94
Voids + council tax£9
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£421
Returns
Return before costs on price5.86%
Cash return on cash-3.43%
Gross margin£1,143
Cash needed£147,348
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.16
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 | £22,560 | £7,982 | £18,769 | £0 | £0 | -£4,190 | -£4,190 |
| Year 2 | £23,237 | £8,221 | £18,769 | £0 | £0 | -£3,753 | -£7,943 |
| Year 3 | £23,934 | £8,468 | £18,769 | £0 | £0 | -£3,302 | -£11,246 |
| Year 4 | £24,652 | £8,722 | £18,769 | £0 | £0 | -£2,838 | -£14,084 |
| Year 5 | £25,391 | £8,983 | £18,769 | £0 | £0 | -£2,361 | -£16,445 |
Disposal gain (gross)-£14,879
CGT£0
Net Disposal proceeds£414,444
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
Leasehold117 yr
Tenure & planning117 yr
Legal & planning
2 checks- TenureLeasehold
- Lease lengthUnknown
Building condition
Energy ratingB
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand B
MEES 2030 compliance
C required for new tenancies
PASS
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
OK
Floor
EWS1 typically required above 18m
Floor 0
Lender impact
Ground floor — building almost certainly ≤ 11 m, EWS1 likely not required (RICS Mar 2021 guidance).
Mortgageable
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 cohortOX2 0FH · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Oxford · 2.9 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
2-bed · 2-bath · 904 sqft
£27k–£53k
£ per sqft
building cost only
£30–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£6,328–£11,752
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£9,944–£18,984
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history0d on marketno cuts yet
Strategy matrix
Rent it out wins — -£421/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 | 5.86% | -£421 | £147,348 | -11.2% | Low | Feasible |
| Housing-benefit rent | 3.50% | -£1,111 | £147,348 | -40.4% | Med | Feasible |
| Council lease | 3.50% | -£872 | £147,348 | -33.8% | Low | Feasible |
| Refurb & refinance | 5.86% | -£421 | £171,917 | -9.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£374 | £434,642 | 6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,122/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,122
- Scheme type:
- nominee
- 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
-£310/mo cash flow vs Rent it out if converted to Rent by the room
7.48% Return before costs on price converted vs 5.86% as-is
As-is Rent it out
Monthly profit-£181
Return before costs on price5.86%
Cash needed£108,148
If converted to Rent by the room
Monthly profit-£491
Return before costs on price7.48%
Cash needed£124,148
Δ vs Rent it out Monthly profit-£310
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£50,000
Range: £42,500 – £60,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£63,176–£113,254full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 2 × bathroom£13,500–£24,750
- Rewire£4,520–£7,232
- Replumb£3,616–£6,328
- Windows£9,944–£17,176
- Paint + decor£9,040–£15,368
- Flooring£12,656–£22,600
Comparables
sold within 0.5 miWide · CV 31.1%Med confidence
Loading 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
- GoodNorth Hinksey Church of England Primary SchoolPrimary · Academy converter · OX2 0LZ
- Not ratedWest Oxford Community Primary SchoolPrimary · Community school · OX2 0BY
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£22,560
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£5,058
Exit costs
Projected sale price (5y · 2%/yr growth)£425,071
Capital gain (pre-CGT)£40,071
Sale costs (~2.5%)£10,627
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-£16,445
Rates as of Oct 2024
Acquisition costs
£147,348cash neededPurchase price£385,000
Deposit (25%)£96,250
Stamp duty+5% additional-property surcharge£28,500
Refurb£13,298
Legal + survey£2,525
Mortgage fees£6,775
Total cash neededdeposit + costs (loan covers the rest)£147,348
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Offering generously proportioned accommodation throughout, this spacious two-bedroom ground floor apartment occupies a desirable position within the popular Wilde Court development in Botley.
The property offers excellent proportions throughout, with the main living accommodation centred around an impressive open-plan kitchen, living and dining room. The generous space creates a versatile setting for both everyday living and entertaining, with the modern fitted kitchen incor…
Floor plans
Nearby active comparables20 rentals · 5 deals
Comparable rentals
OX2 · same beds + typeMedian nearby: £2,100/mo · 20 of 20 already let+£220 vs our est
- Kingston Road, Oxford, OX2Let2b£2,100/moMay 2026
- The Kimmeridge, Oxford Oxford OX2Let2b£2,295/moMay 2026
- Banbury Road, Oxford, Oxfordshire, OX2Let2b£2,000/moMay 2026
- Bridge Street, Oxford, OX2Let2b£3,050/moMay 2026
- Botley, Oxford, OX2Let2b£1,395/moMay 2026
- Cedar Court, West Way, Botley, Oxford…Let2b£1,500/moMay 2026
- Dean Court Road, Oxford, OX2Let2b£1,850/moMay 2026
- Finmore Road, Oxford OX2Let2b£1,395/moMay 2026
- Observatory Street, Oxford, Oxfordshi…Let2b£2,400/moMay 2026
- Bardwell Road, Summertown, OX2Let2b£2,500/moMay 2026
- Cunliffe Close, Oxford OX2 7BJLet2b£2,000/moMay 2026
- Hayfield RoadNorth OxfordOxfordLet2b£1,950/moMay 2026
- Five Mile Drive, OxfordLet2b£1,700/moMay 2026
- Thackley End, Oxford, OX2Let2b£2,500/moMay 2026
- Banbury Road, OX2Let2b£2,500/moMay 2026
- Shillingford House, Munda Way, Oxford…Let2b£2,250/moMay 2026
- Cunliffe Close, Oxford, Oxfordshire,…Let2b£2,300/moMay 2026
- Botley, Oxford, OX2Let2b£1,395/moMay 2026
- Kingston Road, Oxford, OX2Let2b£2,100/moMay 2026
- The Kimmeridge, Oxford Oxford OX2Let2b£2,375/moMay 2026
Listing metazoopla · Chancellors - Botley
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£421
Cash needed
£147K
Return after costs
-3.43%
IRR
-3.85%
West Way, Oxford, Oxfordshire OX2
flat · 2 bed · 2 bath · 904 sqft
£385,000
est £1,880 · 5.86% gross
Leasehold 117yrEPC B
1 / 20
9/100
Marginal
5.86% — verify the rent + comps locally.
5.86% Return before costs — around the area average for this property type.
Monthly profit −£421/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating B — Min. energy standard 2030 compliant.
Price
£385K
38% above sold comps
Return before costs
5.86%
est rent £1,880/monot enough comparablesRange £1,655–£2,136/mo (Q1–Q3)
Bedrooms
2
2 bath
Energy rating
B
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: £1,655–£2,136/mo · n=94
Financing
DepositYour cash in — the rest is the mortgage25% · £96,250
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 (£9,974–£18,617 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £288,750 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£421
after mortgage, operating costs & tax
Rent in£1,880/mo gross
£1,808/mo collected · £72/mo lost to voids
Where it goes
£1,564Mortgage£665Costs
Outgoings exceed rent — you top up £421/mo
Mortgage£1,564
Costs£665
Management£188
Maintenance£67
Insurance£28
CapEx reserve£94
Voids + council tax£9
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£421
Returns
Return before costs on price5.86%
Cash return on cash-3.43%
Gross margin£1,143
Cash needed£147,348
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.16
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Oxford · cap £1,122/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Oxford
- LHA monthly cap:
- £1,122
- Scheme type:
- nominee
- 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 | £22,560 | £7,982 | £18,769 | £0 | £0 | -£4,190 | -£4,190 |
| Year 2 | £23,237 | £8,221 | £18,769 | £0 | £0 | -£3,753 | -£7,943 |
| Year 3 | £23,934 | £8,468 | £18,769 | £0 | £0 | -£3,302 | -£11,246 |
| Year 4 | £24,652 | £8,722 | £18,769 | £0 | £0 | -£2,838 | -£14,084 |
| Year 5 | £25,391 | £8,983 | £18,769 | £0 | £0 | -£2,361 | -£16,445 |
Rent by the room upside
What we verified
4206
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining117 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingB
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miWide · CV 31.1%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,754
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£16,445
Acquisition costs
25% deposit£96,250
Stamp duty£28,500
Refurb£13,298
Legal + survey£2,525
Mortgage + broker£6,775
Cash needed£147,348
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
Offering generously proportioned accommodation throughout, this spacious two-bedroom ground floor apartment occupies a desirable position within the popular Wilde Court development in Botley.
The property offers excellent proportions throughout, with the main living accommodation centred around an impressive open-plan kitchen, living and dining room. The generous space creates a versatile setting for both everyday living and entertaining, with the modern fitted kitchen incor…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice