Monthly profit +£419/mo from completion — the no.1 reason to invest
15.36% return before costs — above-market
Priced below market -63% vs 12 nearby sold (last 12 mo) — instant equity
10.4% 5y IRR — strong total return on capital
Why to be cautious
Auction lot — bridging-only finance, 28-day completion
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
+£419/mo
Pays you every month, net of costs
Price vs market
Below market value
-63% vs 12 sold · interior unseen
Return · IRR
10.4%/yr
Solid annualised return
Cash left in
£0
Fully recycled — pull all your cash back out
Price £110KCash to buy £52KReturn before costson price15.36%5-yr return on cash 59%Rent est. £1,408 (£1,350–£1,468)
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: £1,350–£1,468/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · £27,500
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £82,500 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.
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£419/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
15.36%
+£419
£52,461
58.7%
Low
Feasible
Housing-benefit rent
10.88%
+£97
£52,461
21.9%
Med
Feasible
Council lease
10.88%
+£183
£52,461
24.8%
Low
Feasible
Refurb & refinance
15.36%
+£419
£64,005
48.1%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£174
£138,355
-4%
Med
Feasible
Rent by the room
19.64%
+£177
£52,461
37.7%
—
Feasible
Housing-benefit (LHA) scheme detailBRMA Bedford · cap £997/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Bedford
LHA monthly cap:
£997
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 impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£59/mo cash flow vs Rent it out if converted to Rent by the room
26.18% Return before costs on price converted vs 15.36% as-is
As-is Rent it out
Monthly profit+£413
Return before costson price15.36%
Cash needed£39,398
If converted to Rent by the room
Monthly profit+£472
Return before costson price26.18%
Cash needed£55,398
Δ vs Rent it outMonthly profit+£59
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£35,205–£66,000full refurb + room split
⚠️ Capped at 60% of £110,000 asking (£66,000). Raw model: £54,690–£102,530. Verify with a surveyor before offering.
What's in this cost
Kitchen£5,562–£11,123
2 × bathroom£7,338–£13,454
Rewire£2,549–£4,461
Replumb£1,912–£3,824
Windows£6,373–£11,471
Paint + decor£4,461–£8,285
Flooring£7,010–£13,383
Comparables
sold within 0.5 mi
Wide · CV 20.0%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
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
Livingstone Primary School
Primary · Foundation school · MK41 7LG
Good
Bedford Greenacre Independent School
Not applicable · Other independent school · MK41 7FZ
Not rated
Bedford Modern School
Not applicable · Other independent school · MK41 7NT
Not rated
Pilgrims Pre-Preparatory School
Not applicable · Other independent school · MK41 7QZ
Not rated
Edith Cavell Primary School
Primary · Foundation school · MK41 7NH
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£4,899/yr kept
Annual gross rent£16,896
Section 24 credit£0
Annual tax due£1,302
Post-tax Monthly profitannual£4,899
Exit costs
£30,803 after CGT
Projected sale price (5y · 2%/yr growth)£121,449
Capital gain (pre-CGT)£11,449
Sale costs (~2.5%)£3,036
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 profitafter CGT£30,803
Rates as of Oct 2024
Acquisition costs
£52,461cash needed
Purchase price£110,000
Deposit (25%)£27,500
Stamp duty+5% additional-property surcharge£5,500
Refurb£15,111
Legal + survey£1,700
Mortgage fees£2,650
Total cash neededdeposit + costs (loan covers the rest)£52,461
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Lot 40B for sale by online auction on 21st October 2026
Freehold End of Terrace House Vacant Possession
Situated off Carron Road, close to the amenities available in Bedford Town Centre and travelling facilities including Bedford Train Station. Mowsbury Park is also nearby.
A End of Terrace House requiring modernisation with accommodation arranged on Two Floors comprising:
First Floor
Bedroom (One)
Bedroom (Two)
Bedroom (Three)
Priced below market -63% vs 12 nearby sold (last 12 mo)
Monthly profit+£419/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
15.36% Return before costs — above-market
Chain free
Price
£110K
63% below sold comps
Return before costs
15.36%
est rent £1,408/monot enough comparablesRange £1,350–£1,468/mo (Q1–Q3)
Bedrooms
3
— bath
Energy rating
C
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
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: £1,350–£1,468/mo · n=25
Financing
DepositYour cash in — the rest is the mortgage25% · £27,500
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £82,500 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Bedford · cap £997/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Bedford
LHA monthly cap:
£997
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
£16,896
£4,683
£5,363
£0
£1,302
£5,549
£5,549
Year 2
£17,403
£4,823
£5,363
£0
£1,371
£5,846
£11,395
Year 3
£17,925
£4,968
£5,363
£0
£1,443
£6,151
£17,546
Year 4
£18,463
£5,117
£5,363
£0
£1,517
£6,466
£24,012
Year 5
£19,017
£5,271
£5,363
£0
£1,593
£6,790
£30,803
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
5206
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingC
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile3▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Wide · CV 20.0%Med confidence
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,073
Annual rental tax£1,178
CGT yr 5£0 · company level
5y net total£30,803
Acquisition costs
£52K
25% deposit£27,500
Stamp duty£5,500
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£2,650
Cash needed£52,461
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Lot 40B for sale by online auction on 21st October 2026
Freehold End of Terrace House Vacant Possession
Situated off Carron Road, close to the amenities available in Bedford Town Centre and travelling facilities including Bedford Train Station. Mowsbury Park is also nearby.
A End of Terrace House requiring modernisation with accommodation arranged on Two Floors comprising:
First Floor
Bedroom (One)
Bedroom (Two)
Bedroom (Three)