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Year 5 disposal
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29/ 100
Weak
6.88% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£55/mo — mildly negative — equity build may cover
- -0.9% 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.
- 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
−£55/mo
You top up £55/mo
Price vs market
Above comparable sales
+142% vs 12 sold
Return · IRR
-0.9%/yr
Loses money over 5 years
Cash to get in
£232K
Deposit + fees + refurb
Price £575KReturn before costs on price 6.88%5-yr return on cash 5%Rent est. £3,298 (£3,212–£3,386)
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: £3,212–£3,386/mo · n=72
Financing
DepositYour cash in — the rest is the mortgage25% · £143,750
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 (£21,114–£39,413 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £2,500 legal + £850 survey
Mortgage fees (£)
2% product fee on £431,250 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£55
after mortgage, operating costs & tax
Rent in£3,298/mo gross
£3,171/mo collected · £127/mo lost to voids
Where it goes
£2,336Mortgage£890Costs
Outgoings exceed rent — you top up £55/mo
Mortgage£2,336
Costs£890
Management£330
Maintenance£67
Insurance£40
CapEx reserve£165
Voids + council tax£9
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£55
Returns
Return before costs on price6.88%
Cash return on cash-0.28%
Gross margin£2,281
Cash needed£232,377
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.36
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 | £39,576 | £10,677 | £28,031 | £0 | £165 | £702 | £702 |
| Year 2 | £40,763 | £10,998 | £28,031 | £0 | £330 | £1,404 | £2,107 |
| Year 3 | £41,986 | £11,328 | £28,031 | £0 | £499 | £2,128 | £4,235 |
| Year 4 | £43,246 | £11,667 | £28,031 | £0 | £674 | £2,873 | £7,108 |
| Year 5 | £44,543 | £12,018 | £28,031 | £0 | £854 | £3,640 | £10,748 |
Disposal gain (gross)-£35,027
CGT£0
Net Disposal proceeds£618,975
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 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 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
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 cohortBH3 7ND · 6 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Southampton · 40.1 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
6-bed · 4-bath · 1530 sqft
£45k–£87k
£ per sqft
building cost only
£29–£57
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 4 × bathroom · Full strip + retile£13,300–£26,600
- Paint + decor£10,710–£19,890
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£16,830–£32,130
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingMandatory
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Mandatory
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 — -£55/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 | 6.88% | -£55 | £232,377 | 4.6% | Low | Feasible |
| Housing-benefit rent | 3.23% | -£1,576 | £232,377 | -36.2% | Med | Feasible |
| Council lease | 0.00% | -£2,722 | £232,377 | -70.9% | Low | Feasible |
| Refurb & refinance | 6.88% | -£55 | £272,388 | 3.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£386 | £665,263 | 4% | Med | Feasible |
| Rent by the room | 8.14% | -£879 | £232,377 | -12.0% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Bournemouth · cap £1,546/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bournemouth
- LHA monthly cap:
- £1,546
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
-£1,418/mo cash flow vs Rent it out if converted to Rent by the room
5.01% Return before costs on price converted vs 6.88% as-is
As-is Rent it out
Monthly profit+£184
Return before costs on price6.88%
Cash needed£155,648
If converted to Rent by the room
Monthly profit-£1,233
Return before costs on price5.01%
Cash needed£171,648
Δ vs Rent it out Monthly profit-£1,418
Show conversion detail
Conversion cost estimate
£3,000
Range: £2,000 – £5,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£84,990–£158,530full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 4 × bathroom£22,800–£41,800
- Rewire£6,120–£10,710
- Replumb£4,590–£9,180
- Windows£15,300–£27,540
- Paint + decor£10,710–£19,890
- Flooring£16,830–£32,130
Comparables
sold within 0.5 miWide · CV 40.5%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
- Not ratedSt Martin's SchoolNot applicable · Other independent school · BH3 7NA
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£39,576
Section 24 credit£0
Annual tax due£165
Post-tax Monthly profit annual-£820
Exit costs
Projected sale price (5y · 2%/yr growth)£634,846
Capital gain (pre-CGT)£59,846
Sale costs (~2.5%)£15,871
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£10,748
Rates as of Oct 2024
Acquisition costs
£232,377cash neededPurchase price£575,000
Deposit (25%)£143,750
Stamp duty+5% additional-property surcharge£47,500
Refurb£28,152
Legal + survey£3,350
Mortgage fees£9,625
Total cash neededdeposit + costs (loan covers the rest)£232,377
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
large six bedroom detached house currently split into 2x apartmentsno forward chain
MK Estates are excited to bring to market this exceptionally spacious six bedroom detached house, situated on a large corner plot and offering unrivalled versatility this property would make a perfect, buy-to-let, first time buy or even a multi generational home. With three floors available the building currently sits as two separate flats, and subject to consents, could easily be transformed…
Floor plans
Nearby active comparables1 rental · 1 deal
Comparable rentals
BH3 · same beds + typeMedian nearby: £3,300/mo+£2 vs our est
- Meyrick Park Crescent, BH36b£3,300/moApr 2026
Other deals nearby
BH3 · ±25% priceListing metazoopla · MK Estates
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£55
Cash needed
£232K
Return after costs
-0.28%
IRR
-0.86%
Stokewood Road, 26 Stokewood Road BH3
flat · 6 bed · 4 bath
£575,000
est £3,298 · 6.88% gross
1 / 17
29/100
Marginal
6.88% — verify the rent + comps locally.
6.88% Return before costs — around the area average for this property type.
Monthly profit −£55/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£575K
142% above sold comps
Return before costs
6.88%
est rent £3,298/monot enough comparablesRange £3,212–£3,386/mo (Q1–Q3)
Bedrooms
6
4 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: £3,212–£3,386/mo · n=72
Financing
DepositYour cash in — the rest is the mortgage25% · £143,750
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 (£21,114–£39,413 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £2,500 legal + £850 survey
Mortgage fees (£)
2% product fee on £431,250 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£55
after mortgage, operating costs & tax
Rent in£3,298/mo gross
£3,171/mo collected · £127/mo lost to voids
Where it goes
£2,336Mortgage£890Costs
Outgoings exceed rent — you top up £55/mo
Mortgage£2,336
Costs£890
Management£330
Maintenance£67
Insurance£40
CapEx reserve£165
Voids + council tax£9
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£55
Returns
Return before costs on price6.88%
Cash return on cash-0.28%
Gross margin£2,281
Cash needed£232,377
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.36
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Bournemouth · cap £1,546/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bournemouth
- LHA monthly cap:
- £1,546
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 | £39,576 | £10,677 | £28,031 | £0 | £165 | £702 | £702 |
| Year 2 | £40,763 | £10,998 | £28,031 | £0 | £330 | £1,404 | £2,107 |
| Year 3 | £41,986 | £11,328 | £28,031 | £0 | £499 | £2,128 | £4,235 |
| Year 4 | £43,246 | £11,667 | £28,031 | £0 | £674 | £2,873 | £7,108 |
| Year 5 | £44,543 | £12,018 | £28,031 | £0 | £854 | £3,640 | £10,748 |
Rent by the room upside
What we verified
5007
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
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 heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 40.5%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£5,606
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£10,748
Acquisition costs
25% deposit£143,750
Stamp duty£47,500
Refurb£28,152
Legal + survey£3,350
Mortgage + broker£9,625
Cash needed£232,377
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
large six bedroom detached house currently split into 2x apartmentsno forward chain
MK Estates are excited to bring to market this exceptionally spacious six bedroom detached house, situated on a large corner plot and offering unrivalled versatility this property would make a perfect, buy-to-let, first time buy or even a multi generational home. With three floors available the building currently sits as two separate flats, and subject to consents, could easily be transformed…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice