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Year 5 disposal
⊞ View all 16
0/ 100
Weak
5.00% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- EPC B — MEES compliant
Why to be cautious
- Monthly profit −£374/mo — significantly negative — real recurring drain
- -5.1% 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
−£374/mo
You top up £374/mo
Price
£270K
No local sold comps to compare
Return · IRR
-5.1%/yr
Loses money over 5 years
Cash to get in
£93K
Deposit + fees + refurb
Return before costs on price 5.00%5-yr return on cash -18%Rent est. £1,124 (£1,025–£1,233)
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: £1,025–£1,233/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £67,500
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 £202,500 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
-£374
after mortgage, operating costs & tax
Rent in£1,124/mo gross
£1,081/mo collected · £43/mo lost to voids
Where it goes
£1,097Mortgage£358Costs
Outgoings exceed rent — you top up £374/mo
Mortgage£1,097
Costs£358
Management£112
Maintenance£50
Insurance£28
CapEx reserve£56
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£374
Returns
Return before costs on price5.00%
Cash return on cash-4.83%
Gross margin£722
Cash needed£93,050
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.99
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 | £13,488 | £4,300 | £13,163 | £0 | £0 | -£3,974 | -£3,974 |
| Year 2 | £13,893 | £4,429 | £13,163 | £0 | £0 | -£3,699 | -£7,673 |
| Year 3 | £14,309 | £4,562 | £13,163 | £0 | £0 | -£3,415 | -£11,087 |
| Year 4 | £14,739 | £4,698 | £13,163 | £0 | £0 | -£3,122 | -£14,210 |
| Year 5 | £15,181 | £4,839 | £13,163 | £0 | £0 | -£2,821 | -£17,031 |
Disposal gain (gross)£149
CGT£28
Net Disposal proceeds£290,621
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 ratingB
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand B
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 cohortSN3 1FW · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Oxford · 42.6 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 · 861 sqft
£23k–£45k
£ per sqft
building cost only
£26–£52
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£6,027–£11,193
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£9,471–£18,081
Guide rates · UK May 2026
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 — -£374/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 | 5.00% | -£374 | £93,050 | -18.3% | Low | Feasible |
| Housing-benefit rent | 3.48% | -£704 | £93,050 | -39.7% | Med | Feasible |
| Council lease | 3.48% | -£535 | £93,050 | -32.3% | Low | Feasible |
| Refurb & refinance | 5.00% | -£374 | £107,090 | -15.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £291,040 | 9% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £783/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swindon
- LHA monthly cap:
- £783
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- 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
+£303/mo cash flow vs Rent it out if converted to Rent by the room
10.67% Return before costs on price converted vs 5.00% as-is
As-is Rent it out
Monthly profit-£345
Return before costs on price5.00%
Cash needed£79,398
If converted to Rent by the room
Monthly profit-£42
Return before costs on price10.67%
Cash needed£95,398
Δ vs Rent it out Monthly profit+£303
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
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£44,475–£83,695full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,444–£6,027
- Replumb£2,583–£5,166
- Windows£8,610–£15,498
- Paint + decor£6,027–£11,193
- Flooring£9,471–£18,081
Comparables
sold within 0.5 miWide · CV 18.9%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodHoly Cross Catholic Primary SchoolPrimary · Academy converter · SN3 1AR
- GoodLainesmead Primary School and NurseryPrimary · Community school · SN3 1EA
- Not ratedNew College Swindon16 plus · Further education · SN3 1AH
- Not ratedLawn Primary and Nursery SchoolPrimary · Community school · SN3 1LE
- Not ratedThe Croft Primary SchoolPrimary · Academy sponsor led · SN3 1RA
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£13,488
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£4,493
Exit costs
Projected sale price (5y · 2%/yr growth)£298,102
Capital gain (pre-CGT)£28,102
Sale costs (~2.5%)£7,453
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-£17,031
Rates as of Oct 2024
Acquisition costs
£93,050cash neededPurchase price£270,000
Deposit (25%)£67,500
Stamp duty+5% additional-property surcharge£17,000
Refurb£1,350
Legal + survey£2,150
Mortgage fees£5,050
Total cash neededdeposit + costs (loan covers the rest)£93,050
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
No onward chain
Situated in the popular Marlborough Park development, this larger-than-average two double bedroom home offers stylish, modern living with excellent access to the amenities of Old Town.
Built in 2020, the property has been immaculately maintained throughout and features a bright and contemporary interior. The accommodation comprises a welcoming sitting room with patio doors to the rear garden, alongside an impressive open-plan kitchen/dining room, creating an…
Floor plans
Listing metazoopla · McFarlane - Old Town
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£374
Cash needed
£93K
Return after costs
-4.83%
IRR
-5.06%
Trevelyan Road, Swindon SN3
terraced · 2 bed · 1 bath · 861 sqft
£270,000
est £1,124 · 5.00% gross
EPC B
1 / 16
0/100
Marginal
5.00% — verify the rent + comps locally.
5.00% Return before costs — around the area average for this property type.
Monthly profit −£374/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating B — Min. energy standard 2030 compliant.
Price
£270K
at sold-comp median
Return before costs
5.00%
est rent £1,124/monot enough comparablesRange £1,025–£1,233/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
B
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: £1,025–£1,233/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · £67,500
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 £202,500 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
-£374
after mortgage, operating costs & tax
Rent in£1,124/mo gross
£1,081/mo collected · £43/mo lost to voids
Where it goes
£1,097Mortgage£358Costs
Outgoings exceed rent — you top up £374/mo
Mortgage£1,097
Costs£358
Management£112
Maintenance£50
Insurance£28
CapEx reserve£56
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£374
Returns
Return before costs on price5.00%
Cash return on cash-4.83%
Gross margin£722
Cash needed£93,050
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.99
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £783/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Swindon
- LHA monthly cap:
- £783
- Scheme type:
- PSL
- Premium:
- +0% premium over LHA cap
- 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 | £13,488 | £4,300 | £13,163 | £0 | £0 | -£3,974 | -£3,974 |
| Year 2 | £13,893 | £4,429 | £13,163 | £0 | £0 | -£3,699 | -£7,673 |
| Year 3 | £14,309 | £4,562 | £13,163 | £0 | £0 | -£3,415 | -£11,087 |
| Year 4 | £14,739 | £4,698 | £13,163 | £0 | £0 | -£3,122 | -£14,210 |
| Year 5 | £15,181 | £4,839 | £13,163 | £0 | £0 | -£2,821 | -£17,031 |
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 ratingB
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 miWide · CV 18.9%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,633
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£17,031
Acquisition costs
25% deposit£67,500
Stamp duty£17,000
Refurb£1,350
Legal + survey£2,150
Mortgage + broker£5,050
Cash needed£93,050
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
No onward chain
Situated in the popular Marlborough Park development, this larger-than-average two double bedroom home offers stylish, modern living with excellent access to the amenities of Old Town.
Built in 2020, the property has been immaculately maintained throughout and features a bright and contemporary interior. The accommodation comprises a welcoming sitting room with patio doors to the rear garden, alongside an impressive open-plan kitchen/dining room, creating an…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice