-0.8% 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.
EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£60/mo
You top up £60/mo
Price vs market
Below market value
-29% vs 12 sold · interior unseen
Return · IRR
-0.8%/yr
Loses money over 5 years
Cash left in
£16K
Stays in after refinancing at value
Price £165KCash to buy £66KReturn before costson price7.09%5-yr return on cash 1%Rent est. £975 (£916–£1,038)
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: £916–£1,038/mo · n=24
Financing
DepositYour cash in — the rest is the mortgage25% · £41,250
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £123,750 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.
+£354/mo cash flow vs Rent it out if converted to Rent by the room
17.45% Return before costs on price converted vs 7.09% as-is
As-is Rent it out
Monthly profit-£56
Return before costson price7.09%
Cash needed£53,148
If converted to Rent by the room
Monthly profit+£298
Return before costson price17.45%
Cash needed£69,148
Δ vs Rent it outMonthly profit+£354
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
£55,433–£99,000full refurb + room split
⚠️ Capped at 60% of £165,000 asking (£99,000). Raw model: £58,230–£103,995. Verify with a surveyor before offering.
What's in this cost
Kitchen£9,424–£18,849
1 × bathroom£6,426–£11,781
Rewire£4,498–£7,197
Replumb£3,598–£6,297
Windows£9,896–£17,093
Paint + decor£8,996–£15,293
Flooring£12,595–£22,490
Comparables
sold within 0.5 mi
Wide · CV 19.1%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 90 / 100
Loading map…
Transport score90 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
Nine Acres Primary School
Primary · Community school · PO30 1QP
Outstanding
St George's School
Not applicable · Community special school · PO30 1XW
Not rated
St Thomas of Canterbury Catholic Primary School
Primary · Voluntary aided school · PO30 1NR
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£724/yr kept
Annual gross rent£11,700
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£724
Exit costs
£777 after CGT
Projected sale price (5y · 2%/yr growth)£182,173
Capital gain (pre-CGT)£17,173
Sale costs (~2.5%)£4,554
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£777
Rates as of Oct 2024
Acquisition costs
£66,239cash needed
Purchase price£165,000
Deposit (25%)£41,250
Stamp duty+5% additional-property surcharge£9,050
Refurb£10,764
Legal + survey£1,700
Mortgage fees£3,475
Total cash neededdeposit + costs (loan covers the rest)£66,239
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
TENANT IN SITU - 6.2% YIELD
A well-presented two bedroom terraced house situated in a popular location on the outskirts of Newport town, offered to the market as a readymade investment with a tenant-in-situ.
The property has been well looked after by the current owner & tenants with the accommodation comprising; lounge, dining room, kitchen with spacious utility area & WC on the ground floor.
Upstairs are two double bedrooms which are great size both serviced by a family…
Priced below market -29% vs 12 nearby sold (last 12 mo)
7.09% Return before costs — above-market
Price
£165K
29% below sold comps
Return before costs
7.09%
est rent £975/monot enough comparablesRange £916–£1,038/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
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: £916–£1,038/mo · n=24
Financing
DepositYour cash in — the rest is the mortgage25% · £41,250
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £123,750 loan + £1,000 booking fee
Short-let (SA) context271 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
271 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Isle of Wight · cap £648/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Isle of Wight
LHA monthly cap:
£648
Scheme type:
leasing
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
£11,700
£3,930
£8,044
£0
£0
-£274
-£274
Year 2
£12,051
£4,048
£8,044
£0
£0
-£41
-£314
Year 3
£12,413
£4,169
£8,044
£0
£38
£161
-£153
Year 4
£12,785
£4,294
£8,044
£0
£85
£362
£209
Year 5
£13,168
£4,423
£8,044
£0
£133
£568
£777
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
4207
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCPostcode estimate — check the registerNot stated on the listing
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
TenantMonthly profit from day oneIn situ
Comparables
sold within 0.5 mi
Wide · CV 19.1%Med confidence
Loading nearby sold…
Location & transport
Score 90/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,609
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£777
Acquisition costs
£66K
25% deposit£41,250
Stamp duty£9,050
Refurb£10,764
Legal + survey£1,700
Mortgage + broker£3,475
Cash needed£66,239
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
TENANT IN SITU - 6.2% YIELD
A well-presented two bedroom terraced house situated in a popular location on the outskirts of Newport town, offered to the market as a readymade investment with a tenant-in-situ.
The property has been well looked after by the current owner & tenants with the accommodation comprising; lounge, dining room, kitchen with spacious utility area & WC on the ground floor.
Upstairs are two double bedrooms which are great size both serviced by a family…