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Year 5 disposal
BMV -28%
⊞ View all 11
31/ 100
Weak
7.26% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.26% return before costs — above-market
- Priced below market -28% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Floor area 424 sqft — small for the type
- Monthly profit −£253/mo — significantly negative — real recurring drain
- -5.6% 5y IRR — capital outlay disproportionate to returns
- 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
−£253/mo
You top up £253/mo
Price vs market
Below market value
-28% vs 12 sold · interior unseen
Return · IRR
-5.6%/yr
Loses money over 5 years
Cash left in
£13K
Stays in after refinancing at value
Price £140KCash to buy £55KReturn before costs on price 7.26%5-yr return on cash -22%Rent est. £847 (£806–£890)
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: £806–£890/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · £35,000
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 (£5,502–£10,270 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £105,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£253
after mortgage, operating costs & tax
Rent in£847/mo gross
£814/mo collected · £33/mo lost to voids
Where it goes
£569Mortgage£499Costs
Outgoings exceed rent — you top up £253/mo
Mortgage£569
Costs£499
Management£85
Maintenance£67
Insurance£20
CapEx reserve£42
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£253
Returns
Return before costs on price7.26%
Cash return on cash-5.55%
Gross margin£316
Cash needed£54,736
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.43
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 | £10,164 | £5,986 | £6,825 | £0 | £0 | -£2,647 | -£2,647 |
| Year 2 | £10,469 | £6,165 | £6,825 | £0 | £0 | -£2,521 | -£5,168 |
| Year 3 | £10,783 | £6,350 | £6,825 | £0 | £0 | -£2,392 | -£7,560 |
| Year 4 | £11,106 | £6,541 | £6,825 | £0 | £0 | -£2,259 | -£9,819 |
| Year 5 | £11,440 | £6,737 | £6,825 | £0 | £0 | -£2,122 | -£11,941 |
Disposal gain (gross)-£5,929
CGT£0
Net Disposal proceeds£150,707
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Building condition
Energy ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →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 cohortCT1 3QG · 1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Queen Mary · 82.3 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
1-bed · 1-bath · 424 sqft
£15k–£30k
£ per sqft
building cost only
£35–£70
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£2,968–£5,512
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£4,664–£8,904
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history136d on market1 price change
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£105,000 in 2006 → £140,000 asking
+33.3%in 20y
- 2006£105,000+233.3% in 9y
- 1997£31,500—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Rent it out wins — -£253/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 | 7.26% | -£253 | £54,736 | -21.8% | Low | Feasible |
| Housing-benefit rent | 5.77% | -£439 | £54,736 | -41.2% | Med | Feasible |
| Council lease | 0.00% | -£935 | £54,736 | -105.0% | Low | Feasible |
| Refurb & refinance | 7.26% | -£253 | £64,670 | -18.5% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £159,570 | 4% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Canterbury · cap £673/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Canterbury
- LHA monthly cap:
- £673
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
+£440/mo cash flow vs Rent it out if converted to Rent by the room
20.57% Return before costs on price converted vs 7.26% as-is
As-is Rent it out
Monthly profit-£62
Return before costs on price7.26%
Cash needed£46,898
If converted to Rent by the room
Monthly profit+£377
Return before costs on price20.57%
Cash needed£62,898
Δ vs Rent it out Monthly profit+£440
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Planning approval likelihood
Likely approvable · 82% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 87% (15 decisions)
≈0.0% within 100 m vs 10% policy
Comparables
sold within 0.5 miWide · CV 31.5%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Canterbury and surrounding area. Dated 25.02.2015 effective 25.02.2016
≈0.0% within 100 m vs 10% policy
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodThe Orchard SchoolNot applicable · Foundation special school · CT1 3QQ
- Not ratedNewingate SchoolNot applicable · Other independent special school · CT1 3DT
- Not ratedSt Nicholas' SchoolNot applicable · Community special school · CT1 3JJ
- Not ratedThe Worthgate SchoolNot applicable · Other independent school · CT1 3LQ
- Not ratedWincheap Foundation Primary SchoolPrimary · Foundation school · CT1 3SD
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£10,164
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,038
Exit costs
Projected sale price (5y · 2%/yr growth)£154,571
Capital gain (pre-CGT)£14,571
Sale costs (~2.5%)£3,864
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-£11,941
Rates as of Oct 2024
Acquisition costs
£54,736cash neededPurchase price£140,000
Deposit (25%)£35,000
Stamp duty+5% additional-property surcharge£7,300
Refurb£7,336
Legal + survey£2,000
Mortgage fees£3,100
Total cash neededdeposit + costs (loan covers the rest)£54,736
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Marketed by Heidi Rocks this well presented one bedroom apartment on Oxford Road, Canterbury, ideally located just under a mile from the city centre and offering an excellent investment opportunity. This property benefits from its own private front door, giving it a more independent feel than a typical apartment, along with the added advantages of a private garden and parking, all features that can make it especially appealing to tenants and help support strong ongoing demand…
Floor plans
Listing metarightmove · TAUK
About this listing
136 days · RightmovePrice history
5-year price trend
Monthly profit
−£253
Cash needed
£55K
Return after costs
-5.55%
IRR
-5.59%
Listed 136d ago
Oxford Road, Canterbury, CT1
flat · 1 bed · 1 bath · 424 sqft
£140,000
est £847 · 7.26% gross
Leasehold 999yr
Priced below market
1 / 11
31/100
Marginal
7.26% — verify the rent + comps locally.
Priced below market -28% vs 12 nearby sold (last 12 mo)
7.26% Return before costs — above-market
Price
£140K
28% below sold comps
Return before costs
7.26%
est rent £847/mo67 comps within 1 kmRange £806–£890/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
—
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: £806–£890/mo · n=67
Financing
DepositYour cash in — the rest is the mortgage25% · £35,000
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 (£5,502–£10,270 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £105,000 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£253
after mortgage, operating costs & tax
Rent in£847/mo gross
£814/mo collected · £33/mo lost to voids
Where it goes
£569Mortgage£499Costs
Outgoings exceed rent — you top up £253/mo
Mortgage£569
Costs£499
Management£85
Maintenance£67
Insurance£20
CapEx reserve£42
Voids + council tax£6
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£253
Returns
Return before costs on price7.26%
Cash return on cash-5.55%
Gross margin£316
Cash needed£54,736
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.43
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Canterbury · cap £673/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Canterbury
- LHA monthly cap:
- £673
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 | £10,164 | £5,986 | £6,825 | £0 | £0 | -£2,647 | -£2,647 |
| Year 2 | £10,469 | £6,165 | £6,825 | £0 | £0 | -£2,521 | -£5,168 |
| Year 3 | £10,783 | £6,350 | £6,825 | £0 | £0 | -£2,392 | -£7,560 |
| Year 4 | £11,106 | £6,541 | £6,825 | £0 | £0 | -£2,259 | -£9,819 |
| Year 5 | £11,440 | £6,737 | £6,825 | £0 | £0 | -£2,122 | -£11,941 |
Rent by the room upside
What we verified
3207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remainingFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
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
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 miWide · CV 31.5%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,365
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£11,941
Acquisition costs
25% deposit£35,000
Stamp duty£7,300
Refurb£7,336
Legal + survey£2,000
Mortgage + broker£3,100
Cash needed£54,736
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 copyRightmove
Marketed by Heidi Rocks this well presented one bedroom apartment on Oxford Road, Canterbury, ideally located just under a mile from the city centre and offering an excellent investment opportunity. This property benefits from its own private front door, giving it a more independent feel than a typical apartment, along with the added advantages of a private garden and parking, all features that can make it especially appealing to tenants and help support strong ongoing demand…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice