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Year 5 disposal
BMV -77%
⊞ View all 12
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Priced below market -77% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Auction lot — bridging-only finance, 28-day completion
- Monthly profit −£289/mo — significantly negative — real recurring drain
- -17.3% 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
−£289/mo
You top up £289/mo
Price vs market
Below market value
-77% vs 12 sold · interior unseen
Return · IRR
-17.3%/yr
Loses money over 5 years
Cash left in
£0
Fully recycled — pull all your cash back out
Price £27KCash to buy £23K5-yr return on cash -78%
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% · £6,750
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 (£8,970–£16,744 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £20,250 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
-£289
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£110Mortgage£179Costs
Outgoings exceed rent — you top up £289/mo
Mortgage£110
Costs£179
Maintenance£50
Insurance£20
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£289
Returns
Return before costs on price0.00%
Cash return on cash-14.96%
Gross margin-£179
Cash needed£23,165
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 | £2,149 | £1,316 | £0 | £0 | -£3,465 | -£3,465 |
| Year 2 | £0 | £2,213 | £1,316 | £0 | £0 | -£3,529 | -£6,994 |
| Year 3 | £0 | £2,279 | £1,316 | £0 | £0 | -£3,596 | -£10,590 |
| Year 4 | £0 | £2,348 | £1,316 | £0 | £0 | -£3,664 | -£14,254 |
| Year 5 | £0 | £2,418 | £1,316 | £0 | £0 | -£3,734 | -£17,988 |
Disposal gain (gross)-£12,945
CGT£0
Net Disposal proceeds£29,065
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
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 profileMixed demand
Tenant profilelikely cohortS60 2JA · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Sheffield Hallam · 8.9 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 · 1-bath · 810 sqft
£22k–£43k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
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
Council lease wins — +£3,481/mo · £3,419/mo ahead of Housing-benefit rent
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 0.00% | -£289 | £23,165 | -77.7% | Low | Feasible |
| Housing-benefit rent | 22.18% | +£62 | £23,165 | 26.9% | Med | Feasible |
| ⭐ Council lease | 243.96% | +£3,481 | £23,165 | 953.6% | Low | Feasible |
| Refurb & refinance | 0.00% | -£289 | £29,299 | -61.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £46,794 | -31% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Rotherham · cap £499/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Rotherham
- LHA monthly cap:
- £499
- Scheme type:
- none
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- 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
+£1,043/mo cash flow vs Rent it out if converted to Rent by the room
106.67% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£308
Return before costs on price0.00%
Cash needed£18,648
If converted to Rent by the room
Monthly profit+£735
Return before costs on price106.67%
Cash needed£34,648
Δ vs Rent it out Monthly profit+£1,043
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
£16,200
Range: £13,770 – £18,630
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£8,762–£16,200full refurb + room split
⚠️ Capped at 60% of £27,000 asking (£16,200). Raw model: £48,300–£89,300. Verify with a surveyor before offering.
What's in this cost
- Kitchen£1,633–£3,265
- 1 × bathroom£1,088–£1,996
- Rewire£653–£1,143
- Replumb£490–£980
- Windows£1,633–£2,939
- Paint + decor£1,306–£2,286
- Flooring£1,959–£3,592
Comparables
sold within 0.5 miWide · CV 49.0%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodBroom Valley Community SchoolPrimary · Community school · S60 2QU
- GoodOakwood High SchoolSecondary · Academy converter · S60 2UH
- Not ratedThomas Rotherham College16 plus · Academy 16-19 converter · S60 2BE
- Not ratedCanklow Woods Primary SchoolPrimary · Academy converter · S60 2XJ
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-£3,465
Exit costs
Projected sale price (5y · 2%/yr growth)£29,810
Capital gain (pre-CGT)£2,810
Sale costs (~2.5%)£745
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-£17,988
Rates as of Oct 2024
Acquisition costs
£23,165cash neededPurchase price£27,000
Deposit (25%)£6,750
Stamp duty+5% additional-property surcharge£1,350
Refurb£11,960
Legal + survey£1,700
Mortgage fees£1,405
Total cash neededdeposit + costs (loan covers the rest)£23,165
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
For sale by Under The Hammer online auction on Wednesday 21st October 2026. Head over to our website to download the legal pack, register to bid and see more information.
A Freehold 2 Bedroom End Terrace House situated in The Maltings, a small cul-de-sac off Canklow Road around half a mile from Rotherham town centre. Sold with vacant possession on completion, the property needs general modernisation and refurbishment throughout and suits investors and first-time buyers.
The…
Floor plans
Nearby active comparables1 rental · 1 deal
Comparable rentals
S60 · same beds + type- Canklow Road, Rotherham, South Yorksh…Let2b£675/moApr 2026
Other deals nearby
S60 · ±25% priceListing metazoopla · Under The Hammer
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£289
Cash needed
£23K
Return after costs
-14.96%
IRR
-17.32%
2 The Maltings, Rotherham S60
terraced · 2 bed · 1 bath
£27,000
Chain free
Priced below market
1 / 12
0/100
Marginal
No rent data — verify locally before offering.
Priced below market -77% vs 12 nearby sold (last 12 mo)
Chain free
Price
£27K
77% below sold comps
Return before costs
—
rent unknown
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
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% · £6,750
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 (£8,970–£16,744 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £20,250 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
-£289
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£110Mortgage£179Costs
Outgoings exceed rent — you top up £289/mo
Mortgage£110
Costs£179
Maintenance£50
Insurance£20
Voids + council tax£5
Ltd co. accounts£104
Tax—
Shortfall−£289
Returns
Return before costs on price0.00%
Cash return on cash-14.96%
Gross margin-£179
Cash needed£23,165
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 Rotherham · cap £499/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Rotherham
- LHA monthly cap:
- £499
- Scheme type:
- none
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- 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 | £2,149 | £1,316 | £0 | £0 | -£3,465 | -£3,465 |
| Year 2 | £0 | £2,213 | £1,316 | £0 | £0 | -£3,529 | -£6,994 |
| Year 3 | £0 | £2,279 | £1,316 | £0 | £0 | -£3,596 | -£10,590 |
| Year 4 | £0 | £2,348 | £1,316 | £0 | £0 | -£3,664 | -£14,254 |
| Year 5 | £0 | £2,418 | £1,316 | £0 | £0 | -£3,734 | -£17,988 |
Rent by the room upside
What we verified
3307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
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 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 miWide · CV 49.0%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£263
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£17,988
Acquisition costs
25% deposit£6,750
Stamp duty£1,350
Refurb£11,960
Legal + survey£1,700
Mortgage + broker£1,405
Cash needed£23,165
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
For sale by Under The Hammer online auction on Wednesday 21st October 2026. Head over to our website to download the legal pack, register to bid and see more information.
A Freehold 2 Bedroom End Terrace House situated in The Maltings, a small cul-de-sac off Canklow Road around half a mile from Rotherham town centre. Sold with vacant possession on completion, the property needs general modernisation and refurbishment throughout and suits investors and first-time buyers.
The…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice