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Year 5 disposal
BMV -18%
⊞ View all 10
30/ 100
Weak
6.24% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Priced below market -18% vs 12 nearby sold (last 12 mo) — instant equity
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£151/mo — mildly negative — equity build may cover
- -2.0% 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
−£151/mo
You top up £151/mo
Price vs market
Below market value
-18% vs 12 sold · interior unseen
Return · IRR
-2.0%/yr
Loses money over 5 years
Cash left in
£45K
Stays in after refinancing at value
Price £250KCash to buy £86KReturn before costs on price 6.24%5-yr return on cash -3%Rent est. £1,299 (£1,240–£1,361)
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: £1,240–£1,361/mo · n=39
Financing
DepositYour cash in — the rest is the mortgage25% · £62,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £187,500 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 £200K–£400K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£151
after mortgage, operating costs & tax
Rent in£1,299/mo gross
£1,249/mo collected · £50/mo lost to voids
Where it goes
£1,016Mortgage£385Costs
Outgoings exceed rent — you top up £151/mo
Mortgage£1,016
Costs£385
Management£130
Maintenance£50
Insurance£28
CapEx reserve£65
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£151
Returns
Return before costs on price6.24%
Cash return on cash-2.12%
Gross margin£864
Cash needed£85,750
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.23
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 | £15,588 | £4,617 | £12,188 | £0 | £0 | -£1,216 | -£1,216 |
| Year 2 | £16,056 | £4,755 | £12,188 | £0 | £0 | -£887 | -£2,103 |
| Year 3 | £16,537 | £4,898 | £12,188 | £0 | £0 | -£548 | -£2,651 |
| Year 4 | £17,033 | £5,045 | £12,188 | £0 | £0 | -£199 | -£2,850 |
| Year 5 | £17,544 | £5,196 | £12,188 | £0 | £31 | £130 | -£2,720 |
Disposal gain (gross)£620
CGT£118
Net Disposal proceeds£269,002
What we verified
What we verified
51055 ok · 1 caution · 0 fail · 5 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
1 checks- TenureFreehold
Building condition
Energy ratingC
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand C
MEES 2030 compliance
C required for new tenancies
PASS
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 cohortME15 6FF · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 47.6 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
Rent it out wins — -£151/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 | 6.24% | -£151 | £85,750 | -3.2% | Low | Feasible |
| Housing-benefit rent | 4.33% | -£533 | £85,750 | -30.1% | Med | Feasible |
| Council lease | 4.33% | -£340 | £85,750 | -20.9% | Low | Feasible |
| Refurb & refinance | 6.24% | -£151 | £98,790 | -2.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £269,040 | 10% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Maidstone · cap £903/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Maidstone
- LHA monthly cap:
- £903
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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
+£155/mo cash flow vs Rent it out if converted to Rent by the room
11.52% Return before costs on price converted vs 6.24% as-is
As-is Rent it out
Monthly profit-£125
Return before costs on price6.24%
Cash needed£74,398
If converted to Rent by the room
Monthly profit+£29
Return before costs on price11.52%
Cash needed£90,398
Δ vs Rent it out Monthly profit+£155
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
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£58,230–£103,995full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£4,725–£7,560
- Replumb£3,780–£6,615
- Windows£10,395–£17,955
- Paint + decor£9,450–£16,065
- Flooring£13,230–£23,625
Comparables
sold within 0.5 miMed · CV 11.1%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodArchbishop Courtenay Primary SchoolPrimary · Academy sponsor led · ME15 6QN
- Not ratedSouth Borough Primary SchoolPrimary · Academy converter · ME15 6TL
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£15,588
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,816
Exit costs
Projected sale price (5y · 2%/yr growth)£276,020
Capital gain (pre-CGT)£26,020
Sale costs (~2.5%)£6,901
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-£2,720
Rates as of Oct 2024
Acquisition costs
£85,750cash neededPurchase price£250,000
Deposit (25%)£62,500
Stamp duty+5% additional-property surcharge£15,000
Refurb£1,350
Legal + survey£2,150
Mortgage fees£4,750
Total cash neededdeposit + costs (loan covers the rest)£85,750
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
A well-presented two-bedroom home in a quiet Maidstone cul-de-sac, with a modern fitted kitchen, rear garden and two off-road parking spaces.
Number seven is a well-presented two-bedroom terraced home in a quiet cul-de-sac in Maidstone, ideally suited to a first-time buyer or investor looking for a property that is genuinely ready to move into without the need for works, redecoration or immediate outlay. The neutral colour palette runs throughout, creating a calm, welcoming…
Floor plans
Nearby active comparables19 rentals
Comparable rentals
ME15 · same beds + typeMedian nearby: £1,350/mo · 15 of 19 already let+£51 vs our est
- Pennine Way, Maidstone, ME15Let2b£1,300/moMay 2026
- Lambourne Road , Bearsted, ME152b£1,400/moMay 2026
- Kingsley Road, Maidstone, ME15Let2b£1,300/moMay 2026
- Postmill Drive, Maidstone, ME152b£1,275/moMay 2026
- Willow Rise, MaidstoneLet2b£1,350/moMay 2026
- Orchard Street, MaidstoneLet2b£1,100/moMay 2026
- Church Street, MaidstoneLet2b£1,150/moMay 2026
- Brunswick Street, MaidstoneLet2b£1,300/moMay 2026
- The Stampers, Maidstone, Kent, ME152b£1,450/moMay 2026
- Beaconsfield Road, Maidstone, ME152b£1,425/moMay 2026
- Kingsley Road, Maidstone ME15Let2b£1,300/moMay 2026
- Willow Rise, Maidstone ME15Let2b£1,350/moMay 2026
- St. Philip's Avenue, Maidstone, Kent…Let2b£1,650/moApr 2026
- Kingsley Road, Maidstone ME15Let2b£1,450/moDec 2025
- Stagshaw Close, Maidstone ME15Let2b£1,350/moDec 2025
- Willow Rise, Downswood ME15Let2b£1,300/moJun 2025
- The Tail Race, Maidstone ME15Let2b£1,250/moJun 2025
- Friars Court, Maidstone ME15Let2b£1,500/moJun 2025
- Merton Road, Bearsted, Maidstone ME15Let2b£1,500/moJun 2025
Other deals nearby
ME15 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metazoopla · Ben Siggins
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£151
Cash needed
£86K
Return after costs
-2.12%
IRR
-2.04%
The Stampers, Maidstone ME15
terraced · 2 bed · 1 bath
£250,000
est £1,299 · 6.24% gross
EPC C
Priced below market
1 / 10
30/100
Marginal
6.24% — verify the rent + comps locally.
Priced below market -18% vs 12 nearby sold (last 12 mo)
Price
£250K
18% below sold comps
Return before costs
6.24%
est rent £1,299/monot enough comparablesRange £1,240–£1,361/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
C
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: £1,240–£1,361/mo · n=39
Financing
DepositYour cash in — the rest is the mortgage25% · £62,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £187,500 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 £200K–£400K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£151
after mortgage, operating costs & tax
Rent in£1,299/mo gross
£1,249/mo collected · £50/mo lost to voids
Where it goes
£1,016Mortgage£385Costs
Outgoings exceed rent — you top up £151/mo
Mortgage£1,016
Costs£385
Management£130
Maintenance£50
Insurance£28
CapEx reserve£65
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£151
Returns
Return before costs on price6.24%
Cash return on cash-2.12%
Gross margin£864
Cash needed£85,750
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.23
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Maidstone · cap £903/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Maidstone
- LHA monthly cap:
- £903
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 | £15,588 | £4,617 | £12,188 | £0 | £0 | -£1,216 | -£1,216 |
| Year 2 | £16,056 | £4,755 | £12,188 | £0 | £0 | -£887 | -£2,103 |
| Year 3 | £16,537 | £4,898 | £12,188 | £0 | £0 | -£548 | -£2,651 |
| Year 4 | £17,033 | £5,045 | £12,188 | £0 | £0 | -£199 | -£2,850 |
| Year 5 | £17,544 | £5,196 | £12,188 | £0 | £31 | £130 | -£2,720 |
Rent by the room upside
What we verified
4206
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▾
EPCEnergy efficiency ratingC
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 miMed · CV 11.1%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,438
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£2,720
Acquisition costs
25% deposit£62,500
Stamp duty£15,000
Refurb£1,350
Legal + survey£2,150
Mortgage + broker£4,750
Cash needed£85,750
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
A well-presented two-bedroom home in a quiet Maidstone cul-de-sac, with a modern fitted kitchen, rear garden and two off-road parking spaces.
Number seven is a well-presented two-bedroom terraced home in a quiet cul-de-sac in Maidstone, ideally suited to a first-time buyer or investor looking for a property that is genuinely ready to move into without the need for works, redecoration or immediate outlay. The neutral colour palette runs throughout, creating a calm, welcoming…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice