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Year 5 disposal
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0/ 100
Weak
4.74% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- EPC C — MEES compliant
Why to be cautious
- Monthly profit −£497/mo — significantly negative — real recurring drain
- -4.8% 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
−£497/mo
You top up £497/mo
Price
£360K
No local sold comps to compare
Return · IRR
-4.8%/yr
Loses money over 5 years
Cash to get in
£135K
Deposit + fees + refurb
Return before costs on price 4.74%5-yr return on cash -17%Rent est. £1,423 (£1,378–£1,469)
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: £1,378–£1,469/mo · n=37
Financing
DepositYour cash in — the rest is the mortgage25% · £90,000
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £270,000 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
-£497
after mortgage, operating costs & tax
Rent in£1,423/mo gross
£1,368/mo collected · £55/mo lost to voids
Where it goes
£1,463Mortgage£403Costs
Outgoings exceed rent — you top up £497/mo
Mortgage£1,463
Costs£403
Management£142
Maintenance£50
Insurance£28
CapEx reserve£71
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£497
Returns
Return before costs on price4.74%
Cash return on cash-4.41%
Gross margin£965
Cash needed£135,314
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.94
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 | £17,076 | £4,835 | £17,550 | £0 | £0 | -£5,309 | -£5,309 |
| Year 2 | £17,588 | £4,980 | £17,550 | £0 | £0 | -£4,942 | -£10,251 |
| Year 3 | £18,116 | £5,129 | £17,550 | £0 | £0 | -£4,563 | -£14,814 |
| Year 4 | £18,659 | £5,283 | £17,550 | £0 | £0 | -£4,174 | -£18,988 |
| Year 5 | £19,219 | £5,442 | £17,550 | £0 | £0 | -£3,773 | -£22,760 |
Disposal gain (gross)-£11,382
CGT£0
Net Disposal proceeds£387,532
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 cohortSG1 6GS · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Cambridge · 36.5 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 · 2-bath · 810 sqft
£25k–£49k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- 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 — -£497/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 | 4.74% | -£497 | £135,314 | -16.8% | Low | Feasible |
| Housing-benefit rent | 3.24% | -£927 | £135,314 | -36.1% | Med | Feasible |
| Council lease | 3.24% | -£721 | £135,314 | -29.9% | Low | Feasible |
| Refurb & refinance | 4.74% | -£497 | £157,620 | -14.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £403,220 | 6% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Stevenage & North Herts · cap £972/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Stevenage & North Herts
- LHA monthly cap:
- £972
- Scheme type:
- nominee
- 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
+£61/mo cash flow vs Rent it out if converted to Rent by the room
8.00% Return before costs on price converted vs 4.74% as-is
As-is Rent it out
Monthly profit-£454
Return before costs on price4.74%
Cash needed£101,898
If converted to Rent by the room
Monthly profit-£394
Return before costs on price8.00%
Cash needed£117,898
Δ vs Rent it out Monthly profit+£61
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
£40,000
Range: £34,000 – £48,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,390–£90,830full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,240–£5,670
- Replumb£2,430–£4,860
- Windows£8,100–£14,580
- Paint + decor£5,670–£10,530
- Flooring£8,910–£17,010
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
- Not ratedRound Diamond Primary SchoolPrimary · Academy converter · SG1 6NH
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£17,076
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£5,966
Exit costs
Projected sale price (5y · 2%/yr growth)£397,469
Capital gain (pre-CGT)£37,469
Sale costs (~2.5%)£9,937
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-£22,760
Rates as of Oct 2024
Acquisition costs
£135,314cash neededPurchase price£360,000
Deposit (25%)£90,000
Stamp duty+5% additional-property surcharge£26,000
Refurb£10,764
Legal + survey£2,150
Mortgage fees£6,400
Total cash neededdeposit + costs (loan covers the rest)£135,314
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Chain free... Guide price £360,000-£370,000. Geoffrey Matthew Are Delighted To Offer For Sale This Beautifully Maintained Two double bedroom Mews Style End Terrace House, Situated In The Extremely Popular great ashby Area Of Stevenage, Which Benefits From Being Only A Short Walk From A Great Selection Of Local Amenities Including The Sought After round diamond primary school. Internally The Property Offers Generous Living Space Throughout And Features A Good Size Lounge Area…
Floor plans
Listing metazoopla · Geoffrey Matthew SG1
About this listing
ZooplaPrice history
5-year price trend
Monthly profit
−£497
Cash needed
£135K
Return after costs
-4.41%
IRR
-4.83%
Haycock Round, Great Ashby, Stevenage SG1
terraced · 2 bed · 2 bath
£360,000
est £1,423 · 4.74% gross
Chain freeEPC C
1 / 23
0/100
Marginal
4.74% — verify the rent + comps locally.
Chain free
Price
£360K
Return before costs
4.74%
est rent £1,423/monot enough comparablesRange £1,378–£1,469/mo (Q1–Q3)
Bedrooms
2
2 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: £1,378–£1,469/mo · n=37
Financing
DepositYour cash in — the rest is the mortgage25% · £90,000
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £270,000 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
-£497
after mortgage, operating costs & tax
Rent in£1,423/mo gross
£1,368/mo collected · £55/mo lost to voids
Where it goes
£1,463Mortgage£403Costs
Outgoings exceed rent — you top up £497/mo
Mortgage£1,463
Costs£403
Management£142
Maintenance£50
Insurance£28
CapEx reserve£71
Voids + council tax£7
Ltd co. accounts£104
Tax—
Shortfall−£497
Returns
Return before costs on price4.74%
Cash return on cash-4.41%
Gross margin£965
Cash needed£135,314
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.94
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Stevenage & North Herts · cap £972/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Stevenage & North Herts
- LHA monthly cap:
- £972
- Scheme type:
- nominee
- 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 | £17,076 | £4,835 | £17,550 | £0 | £0 | -£5,309 | -£5,309 |
| Year 2 | £17,588 | £4,980 | £17,550 | £0 | £0 | -£4,942 | -£10,251 |
| Year 3 | £18,116 | £5,129 | £17,550 | £0 | £0 | -£4,563 | -£14,814 |
| Year 4 | £18,659 | £5,283 | £17,550 | £0 | £0 | -£4,174 | -£18,988 |
| Year 5 | £19,219 | £5,442 | £17,550 | £0 | £0 | -£3,773 | -£22,760 |
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,510
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£22,760
Acquisition costs
25% deposit£90,000
Stamp duty£26,000
Refurb£10,764
Legal + survey£2,150
Mortgage + broker£6,400
Cash needed£135,314
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
Chain free... Guide price £360,000-£370,000. Geoffrey Matthew Are Delighted To Offer For Sale This Beautifully Maintained Two double bedroom Mews Style End Terrace House, Situated In The Extremely Popular great ashby Area Of Stevenage, Which Benefits From Being Only A Short Walk From A Great Selection Of Local Amenities Including The Sought After round diamond primary school. Internally The Property Offers Generous Living Space Throughout And Features A Good Size Lounge Area…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice