Monthly profit −£294/mo — significantly negative — real recurring drain
-3.1% 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
−£294/mo
You top up £294/mo
Price vs market
Above comparable sales
+9% vs 12 sold
Return · IRR
-3.1%/yr
Loses money over 5 years
Cash to get in
£131K
Deposit + fees + refurb
Price £375KReturn before costson price5.67%5-yr return on cash -7%Rent est. £1,771 (£1,760–£1,782)
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: £1,760–£1,782/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £281,250 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Cladding safety certificateNot stated on the listingHeritageNot 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.
Total cash neededdeposit + costs (loan covers the rest)£131,375
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary
Beautifully presented three-bedroom semi-detached home featuring a stylish open-plan kitchen/living space, en-suite to the principal bedroom, private sunny rear garden, garage and driveway parking, conveniently located close to local amenities.
Description
Situated in a popular and convenient location, this beautifully presented three-bedroom semi-detached home offers modern accommodation ideally suited to families, professionals and first-time buyers alike.
5.67% Return before costs — around the area average for this property type.
Monthly profit −£294/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating A — Min. energy standard 2030 compliant.
Price
£375K
9% above sold comps
Return before costs
5.67%
est rent £1,771/monot enough comparablesRange £1,760–£1,782/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
A
Energy rating
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: £1,760–£1,782/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £93,750
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £281,250 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Housing-benefit (LHA) scheme detailBRMA Worthing · cap £1,177/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Worthing
LHA monthly cap:
£1,177
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
£21,252
£5,680
£18,281
£0
£0
-£2,710
-£2,710
Year 2
£21,890
£5,851
£18,281
£0
£0
-£2,242
-£4,952
Year 3
£22,546
£6,026
£18,281
£0
£0
-£1,761
-£6,713
Year 4
£23,223
£6,207
£18,281
£0
£0
-£1,266
-£7,979
Year 5
£23,919
£6,393
£18,281
£0
£0
-£755
-£8,734
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
6006
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingA
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Wide · CV 14.3%Med confidence
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£3,656
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£8,734
Acquisition costs
£131K
25% deposit£93,750
Stamp duty£27,500
Refurb£1,350
Legal + survey£2,150
Mortgage + broker£6,625
Cash needed£131,375
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Summary
Beautifully presented three-bedroom semi-detached home featuring a stylish open-plan kitchen/living space, en-suite to the principal bedroom, private sunny rear garden, garage and driveway parking, conveniently located close to local amenities.
Description
Situated in a popular and convenient location, this beautifully presented three-bedroom semi-detached home offers modern accommodation ideally suited to families, professionals and first-time buyers alike.