-4.5% 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
−£523/mo
You top up £523/mo
Price
£400K
Around comparable sold prices
Return · IRR
-4.5%/yr
Loses money over 5 years
Cash to get in
£156K
Deposit + fees + refurb
Return before costson price5.13%5-yr return on cash -15%Rent est. £1,710 (£1,637–£1,786)
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: £1,637–£1,786/mo · n=43
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
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 (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £300,000 loan + £1,000 booking fee
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)£156,269
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Description
Modern Semi-Detached Home which has been beautifully maintained throughout offering well-balanced living accommodation situated close to bus links to Harold Wood's Crossrail Elizabeth Line Railway Station and local shops and amenities.
Accommodation comprises Two Bedrooms and Bathroom W.C. To the first floor, whilst to the ground floor there is a Lounge/Diner, Kitchen fitted with modern high gloss units and appliances, and a Ground Floor Cloakroom. To the rear i…
5.13% Return before costs — around the area average for this property type.
Monthly profit −£523/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating C — Min. energy standard 2030 compliant.
Price
£400K
1% below sold comps
Return before costs
5.13%
est rent £1,710/monot enough comparablesRange £1,637–£1,786/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
C
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: £1,637–£1,786/mo · n=43
Financing
DepositYour cash in — the rest is the mortgage25% · £100,000
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 (£12,558–£23,442 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £300,000 loan + £1,000 booking fee
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Wide · CV 20.1%Med confidence
Loading nearby sold…
Location & transport
Score 90/100
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PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,900
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£23,098
Acquisition costs
£156K
25% deposit£100,000
Stamp duty£30,000
Refurb£16,744
Legal + survey£2,525
Mortgage + broker£7,000
Cash needed£156,269
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Description
Modern Semi-Detached Home which has been beautifully maintained throughout offering well-balanced living accommodation situated close to bus links to Harold Wood's Crossrail Elizabeth Line Railway Station and local shops and amenities.
Accommodation comprises Two Bedrooms and Bathroom W.C. To the first floor, whilst to the ground floor there is a Lounge/Diner, Kitchen fitted with modern high gloss units and appliances, and a Ground Floor Cloakroom. To the rear i…