Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 12
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£911/mo — heavily negative — needs monthly capital injection
- 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
−£911/mo
You top up £911/mo
Price
£133K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
£51K
Deposit + fees + refurb
5-yr return on cash -109%
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% · £33,125
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £99,375 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£911
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£538Mortgage£373Costs
Outgoings exceed rent — you top up £911/mo
Mortgage£538
Costs£373
Maintenance£67
Insurance£20
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£911
Returns
Return before costs on price0.00%
Cash return on cash-21.31%
Gross margin-£373
Cash needed£51,305
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 | £4,473 | £6,459 | £0 | £0 | -£10,932 | -£10,932 |
| Year 2 | £0 | £4,607 | £6,459 | £0 | £0 | -£11,066 | -£21,998 |
| Year 3 | £0 | £4,745 | £6,459 | £0 | £0 | -£11,204 | -£33,202 |
| Year 4 | £0 | £4,887 | £6,459 | £0 | £0 | -£11,347 | -£44,549 |
| Year 5 | £0 | £5,034 | £6,459 | £0 | £0 | -£11,493 | -£56,042 |
Disposal gain (gross)-£5,059
CGT£0
Net Disposal proceeds£142,633
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
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 cohortRH11 9QR · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Sussex · 26.4 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
1-bed · 1-bath · 630 sqft
£19k–£37k
£ per sqft
building cost only
£29–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£4,410–£8,190
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,930–£13,230
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 — -£175/mo · £96/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% | -£911 | £51,305 | -109.2% | Low | Feasible |
| Housing-benefit rent | 7.77% | -£271 | £51,305 | -21.6% | Med | Feasible |
| ⭐ Council lease | 7.77% | -£175 | £51,305 | -17.9% | Low | Feasible |
| Refurb & refinance | 0.00% | -£911 | £60,497 | -92.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £150,259 | 5% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Crawley & Reigate · cap £858/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Crawley & Reigate
- LHA monthly cap:
- £858
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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
+£1,122/mo cash flow vs Rent it out if converted to Rent by the room
21.74% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£720
Return before costs on price0.00%
Cash needed£45,023
If converted to Rent by the room
Monthly profit+£401
Return before costs on price21.74%
Cash needed£61,023
Δ vs Rent it out Monthly profit+£1,122
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- Not ratedAtelier21 Future SchoolNot applicable · Other independent school · RH11 9RZ
- Not ratedCottesmore SchoolNot applicable · Other independent school · RH11 9AU
- Not ratedBroadfield Primary AcademyPrimary · Academy sponsor led · RH11 9PD
- Not ratedSeymour Primary SchoolPrimary · Academy converter · RH11 9ES
- Not ratedWoodgate Primary AcademyPrimary · Academy converter · RH11 9GT
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-£10,932
Exit costs
Projected sale price (5y · 2%/yr growth)£146,291
Capital gain (pre-CGT)£13,791
Sale costs (~2.5%)£3,657
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-£56,042
Rates as of Oct 2024
Acquisition costs
£51,305cash neededPurchase price£132,500
Deposit (25%)£33,125
Stamp duty+5% additional-property surcharge£6,775
Refurb£6,417
Legal + survey£2,000
Mortgage fees£2,988
Total cash neededdeposit + costs (loan covers the rest)£51,305
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Securing this property with A lifetime leaseover 60s can secure this property with a home for life from homewise
Through the Home for Life Plan from Homewise, those aged 60 or over can purchase a Lifetime Lease and a share of the property value to safeguard for the future. The cost to purchase the Lifetime Lease is always less than the full market value. Over 60s customers typically save between from 20% to 50%*.
Home for Life Plan guide price for overs 60s: The Lifetime Le…
Floor plans
Listing metazoopla · Homewise Ltd
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£911
Cash needed
£51K
Return after costs
-21.31%
IRR
—
Ramblers Way, Crawley, West Sussex RH11
flat · 1 bed · 1 bath
£132,500
Chain free
1 / 12
0/100
Marginal
No rent data — verify locally before offering.
Chain free
Price
£133K
Return before costs
—
rent unknown
Bedrooms
1
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Lifetime lease
Cannot be financed or resold normally
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% · £33,125
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £99,375 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£911
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£538Mortgage£373Costs
Outgoings exceed rent — you top up £911/mo
Mortgage£538
Costs£373
Maintenance£67
Insurance£20
Voids + council tax£7
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£911
Returns
Return before costs on price0.00%
Cash return on cash-21.31%
Gross margin-£373
Cash needed£51,305
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 Crawley & Reigate · cap £858/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Crawley & Reigate
- LHA monthly cap:
- £858
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £4,473 | £6,459 | £0 | £0 | -£10,932 | -£10,932 |
| Year 2 | £0 | £4,607 | £6,459 | £0 | £0 | -£11,066 | -£21,998 |
| Year 3 | £0 | £4,745 | £6,459 | £0 | £0 | -£11,204 | -£33,202 |
| Year 4 | £0 | £4,887 | £6,459 | £0 | £0 | -£11,347 | -£44,549 |
| Year 5 | £0 | £5,034 | £6,459 | £0 | £0 | -£11,493 | -£56,042 |
Rent by the room upside
What we verified
2307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,292
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£56,042
Acquisition costs
25% deposit£33,125
Stamp duty£6,775
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£2,988
Cash needed£51,305
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
Securing this property with A lifetime leaseover 60s can secure this property with a home for life from homewise
Through the Home for Life Plan from Homewise, those aged 60 or over can purchase a Lifetime Lease and a share of the property value to safeguard for the future. The cost to purchase the Lifetime Lease is always less than the full market value. Over 60s customers typically save between from 20% to 50%*.
Home for Life Plan guide price for overs 60s: The Lifetime Le…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice