Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
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
+£65/mo
Barely breaks even each month
Price
£145K
No local sold comps to compare
Return · IRR
1.6%/yr
Modest annualised return
Cash to get in
£60K
Deposit + fees + refurb
Return before costson price10.63%5-yr return on cash 14%Rent est. £1,285 (£1,087–£1,519)
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: £1,087–£1,519/mo · n=135
Financing
DepositYour cash in — the rest is the mortgage25% · £36,250
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 (£8,522–£15,907 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £108,750 loan + £1,000 booking fee
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.
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 history143d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Council lease wins — +£111/mo · £46/mo ahead of Rent it out
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
10.63%
+£65
£60,437
14.0%
Low
Feasible
Housing-benefit rent
4.54%
-£556
£60,437
-50.5%
Med
Feasible
⭐ Council lease
10.63%
+£111
£60,437
14.6%
Low
Feasible
Refurb & refinance
10.63%
+£65
£72,232
11.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£366
£170,557
2%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Tyneside · cap £549/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Tyneside
LHA monthly cap:
£549
Scheme type:
none
Premium:
+1000% premium over LHA cap
Typical lease:
0 years lease
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
+£140/mo cash flow vs Rent it out if converted to Rent by the room
19.86% Return before costs on price converted vs 10.63% as-is
As-is Rent it out
Monthly profit+£222
Return before costson price10.63%
Cash needed£48,148
If converted to Rent by the room
Monthly profit+£361
Return before costson price19.86%
Cash needed£64,148
Δ vs Rent it outMonthly profit+£140
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
£44,640–£81,015full refurb + room split
What's in this cost
Kitchen£8,820–£17,640
1 × bathroom£5,850–£10,725
Rewire£3,240–£5,670
Replumb£2,430–£4,860
Windows£8,100–£14,580
Paint + decor£6,480–£10,530
Flooring£9,720–£17,010
Comparables
sold within 0.5 mi
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 & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
St Mary's Catholic School
Secondary · Academy converter · NE7 7PE
Outstanding
Jesmond Park Academy
Secondary · Academy sponsor led · NE7 7DP
Good
Benton House School
Not applicable · Other independent special school · NE7 7XE
Not rated
Benton Park Primary School
Primary · Foundation school · NE7 7SS
Not rated
Cragside Primary School
Primary · Foundation school · NE7 7EL
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£672/yr kept
Annual gross rent£15,420
Section 24 credit£0
Annual tax due£297
Post-tax Monthly profitannual£672
Exit costs
£8,485 after CGT
Projected sale price (5y · 2%/yr growth)£160,092
Capital gain (pre-CGT)£15,092
Sale costs (~2.5%)£4,002
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£8,485
Rates as of Oct 2024
Acquisition costs
£60,437cash needed
Purchase price£145,000
Deposit (25%)£36,250
Stamp duty+5% additional-property surcharge£7,650
Refurb£11,362
Legal + survey£2,000
Mortgage fees£3,175
Total cash neededdeposit + costs (loan covers the rest)£60,437
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
AVAILABLE WITH NO ONWARD CHAIN THIS WELL APPOINTED 2 BEDROOM FIRST FLOOR APARTMENT SITUATED ON THE HIGHLY DESIRABLE JESMOND PARK WEST.
The property is conveniently situated for access to a wealth of amenities including Paddy Freeman's Park, The Freeman Hospital and David Lloyd Fitness Centre.
The accommodation comprises: Entrance hall, lounge, kitchen, 2 bedrooms and a bathroom/WC.
Additional benefits include gas central heating and double glazing.
Externally, there are surr…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.63% Return before costs — above-market
Price
£145K
Return before costs
10.63%
est rent £1,285/monot enough comparablesRange £1,087–£1,519/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: £1,087–£1,519/mo · n=135
Financing
DepositYour cash in — the rest is the mortgage25% · £36,250
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 (£8,522–£15,907 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £108,750 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Tyneside · cap £549/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Tyneside
LHA monthly cap:
£549
Scheme type:
none
Premium:
+1000% premium over LHA cap
Typical lease:
0 years lease
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
£15,420
£6,790
£7,069
£0
£297
£1,265
£1,265
Year 2
£15,883
£6,993
£7,069
£0
£346
£1,475
£2,739
Year 3
£16,359
£7,203
£7,069
£0
£397
£1,690
£4,430
Year 4
£16,850
£7,419
£7,069
£0
£449
£1,913
£6,343
Year 5
£17,355
£7,642
£7,069
£0
£503
£2,142
£8,485
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
12 total
3207
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 profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
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£1,414
Annual rental tax£184
CGT yr 5£0 · company level
5y net total£8,485
Acquisition costs
£60K
25% deposit£36,250
Stamp duty£7,650
Refurb£11,362
Legal + survey£2,000
Mortgage + broker£3,175
Cash needed£60,437
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyRightmove
AVAILABLE WITH NO ONWARD CHAIN THIS WELL APPOINTED 2 BEDROOM FIRST FLOOR APARTMENT SITUATED ON THE HIGHLY DESIRABLE JESMOND PARK WEST.
The property is conveniently situated for access to a wealth of amenities including Paddy Freeman's Park, The Freeman Hospital and David Lloyd Fitness Centre.
The accommodation comprises: Entrance hall, lounge, kitchen, 2 bedrooms and a bathroom/WC.
Additional benefits include gas central heating and double glazing.
Externally, there are surr…