-6.4% 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
−£805/mo
You top up £805/mo
Price vs market
Above comparable sales
+12% vs 12 sold
Return · IRR
-6.4%/yr
Loses money over 5 years
Cash to get in
£168K
Deposit + fees + refurb
Price £425KReturn before costson price4.09%5-yr return on cash -25%Rent est. £1,447 (£1,437–£1,457)
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: £1,437–£1,457/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £106,250
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £318,750 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)£167,733
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · zoopla
Description& agent copyZoopla
Summary
A well proportioned family home, offered with no onward chain & set in a pleasant cul de sac on this sought after estate. Accommodation comprises: Entrance hall, lounge, study, kitchen diner, utility, downstairs wc, four bedrooms, ensuite, family bathroom, double garage, driveway & gardens.
Description
A well proportioned family home which is set in a pleasant cul de sac location on this ever popular Estate. This home is offered for sale with no onward chain and with…
4.09% Return before costs — around the area average for this property type.
Monthly profit −£805/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating C — Min. energy standard 2030 compliant.
Price
£425K
12% above sold comps
Return before costs
4.09%
est rent £1,447/monot enough comparablesRange £1,437–£1,457/mo (Q1–Q3)
Bedrooms
4
2 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: £1,437–£1,457/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £106,250
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £318,750 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £1,047/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Peterborough
LHA monthly cap:
£1,047
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
£17,364
£5,641
£20,719
£0
£0
-£8,996
-£8,996
Year 2
£17,885
£5,810
£20,719
£0
£0
-£8,644
-£17,640
Year 3
£18,421
£5,985
£20,719
£0
£0
-£8,282
-£25,922
Year 4
£18,974
£6,164
£20,719
£0
£0
-£7,909
-£33,831
Year 5
£19,543
£6,349
£20,719
£0
£0
-£7,525
-£41,355
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
6006
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 profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Wide · CV 27.0%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£4,144
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£41,355
Acquisition costs
£168K
25% deposit£106,250
Stamp duty£32,500
Refurb£19,458
Legal + survey£2,150
Mortgage + broker£7,375
Cash needed£167,733
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyZoopla
Summary
A well proportioned family home, offered with no onward chain & set in a pleasant cul de sac on this sought after estate. Accommodation comprises: Entrance hall, lounge, study, kitchen diner, utility, downstairs wc, four bedrooms, ensuite, family bathroom, double garage, driveway & gardens.
Description
A well proportioned family home which is set in a pleasant cul de sac location on this ever popular Estate. This home is offered for sale with no onward chain and with…