-10.6% 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
−£577/mo
You top up £577/mo
Price vs market
Above comparable sales
+85% vs 12 sold
Return · IRR
-10.6%/yr
Loses money over 5 years
Cash to get in
£69K
Deposit + fees + refurb
Price £200KReturn before costson price4.73%5-yr return on cash -46%Rent est. £789 (£775–£803)
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: £775–£803/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £50,000
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £150,000 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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)£68,850
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Canwick Villas is a well-regarded development offering attractive communal areas and convenient lift access, providing ease of living for all residents.
Situated close to Lincoln City Centre, this second-floor apartment has been thoughtfully maintained and offers a combination of comfort, practicality, and contemporary living. The development was constructed by the reputable local builder, Lindum Homes, known for their quality and attention to detail.
4.73% Return before costs — around the area average for this property type.
Monthly profit −£577/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£200K
85% above sold comps
Return before costs
4.73%
est rent £789/mo8 comps within 1.5 kmRange £775–£803/mo (Q1–Q3)
Bedrooms
2
2 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: £775–£803/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £50,000
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £150,000 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Housing-benefit (LHA) scheme detailBRMA Lincoln · cap £598/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Lincoln
LHA monthly cap:
£598
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
£9,468
£6,281
£9,750
£0
£0
-£6,563
-£6,563
Year 2
£9,752
£6,469
£9,750
£0
£0
-£6,467
-£13,030
Year 3
£10,045
£6,663
£9,750
£0
£0
-£6,369
-£19,398
Year 4
£10,346
£6,863
£9,750
£0
£0
-£6,267
-£25,666
Year 5
£10,656
£7,069
£9,750
£0
£0
-£6,163
-£31,828
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
TenureLeasehold years remaining242 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition4▾
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
Service chargeReduces net yield£2,114.52/yr
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
Wide · CV 20.4%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£1,950
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£31,828
Acquisition costs
£69K
25% deposit£50,000
Stamp duty£11,500
Refurb£1,350
Legal + survey£2,000
Mortgage + broker£4,000
Cash needed£68,850
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
Auto-saves
Description& agent copyRightmove
Canwick Villas is a well-regarded development offering attractive communal areas and convenient lift access, providing ease of living for all residents.
Situated close to Lincoln City Centre, this second-floor apartment has been thoughtfully maintained and offers a combination of comfort, practicality, and contemporary living. The development was constructed by the reputable local builder, Lindum Homes, known for their quality and attention to detail.