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Year 5 disposal
⊞ View all 25
5/ 100
Weak
5.54% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- EPC B — MEES compliant
Why to be cautious
- Monthly profit −£296/mo — significantly negative — real recurring drain
- -3.2% 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
−£296/mo
You top up £296/mo
Price
£284K
Around comparable sold prices
Return · IRR
-3.2%/yr
Loses money over 5 years
Cash to get in
£112K
Deposit + fees + refurb
Return before costs on price 5.54%5-yr return on cash -10%Rent est. £1,313 (£1,262–£1,366)
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: £1,262–£1,366/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · £71,050
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £213,150 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£296
after mortgage, operating costs & tax
Rent in£1,313/mo gross
£1,263/mo collected · £51/mo lost to voids
Where it goes
£1,155Mortgage£404Costs
Outgoings exceed rent — you top up £296/mo
Mortgage£1,155
Costs£404
Management£131
Maintenance£67
Insurance£28
CapEx reserve£66
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£296
Returns
Return before costs on price5.54%
Cash return on cash-3.17%
Gross margin£859
Cash needed£111,994
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
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 | £15,756 | £4,847 | £13,855 | £0 | £0 | -£2,946 | -£2,946 |
| Year 2 | £16,229 | £4,992 | £13,855 | £0 | £0 | -£2,618 | -£5,564 |
| Year 3 | £16,716 | £5,142 | £13,855 | £0 | £0 | -£2,281 | -£7,845 |
| Year 4 | £17,217 | £5,296 | £13,855 | £0 | £0 | -£1,934 | -£9,779 |
| Year 5 | £17,734 | £5,455 | £13,855 | £0 | £0 | -£1,576 | -£11,356 |
Disposal gain (gross)-£13,946
CGT£0
Net Disposal proceeds£305,935
What we verified
What we verified
60066 ok · 0 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
Rates as of May 2026
Building condition
Energy ratingB
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand B
MEES 2030 compliance
C required for new tenancies
PASS
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
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 profileFamily let
Tenant profilelikely cohortSY2 6RJ · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Birmingham · 61 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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
3-bed · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Check council
The council's HMO page lists the current mandatory fee plus any additional / selective scheme that catches smaller HMOs.
Mandatory licensing applies to 5+ sharer HMOs (Housing Act 2004)
Find council HMO page →Price & sale history106d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£249,950 in 2021 → £284,200 asking
+13.7%in 5y
- 2021£249,950—
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 — -£296/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 | 5.54% | -£296 | £111,994 | -10.1% | Low | Feasible |
| Housing-benefit rent | 3.05% | -£825 | £111,994 | -39.9% | Med | Feasible |
| Council lease | 0.00% | -£1,354 | £111,994 | -73.2% | Low | Feasible |
| Refurb & refinance | 5.54% | -£296 | £132,248 | -8.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £325,925 | 4% | Med | Feasible |
| Rent by the room | 7.60% | -£558 | £111,994 | -19.9% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Shropshire · cap £723/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Shropshire
- LHA monthly cap:
- £723
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
+£150/mo cash flow vs Rent it out if converted to Rent by the room
10.13% Return before costs on price converted vs 5.54% as-is
As-is Rent it out
Monthly profit-£248
Return before costs on price5.54%
Cash needed£82,948
If converted to Rent by the room
Monthly profit-£97
Return before costs on price10.13%
Cash needed£98,948
Δ vs Rent it out Monthly profit+£150
Show conversion detail
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£54,690–£102,530full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
Comparables
sold within 0.5 miWide · CV 42.1%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- Not ratedPrestfelde SchoolNot applicable · Other independent school · SY2 6NZ
- Not ratedMereside Church of England Primary AcademyPrimary · Academy converter · SY2 6LE
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£15,756
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,552
Exit costs
Projected sale price (5y · 2%/yr growth)£313,780
Capital gain (pre-CGT)£29,580
Sale costs (~2.5%)£7,845
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-£11,356
Rates as of Oct 2024
Acquisition costs
£111,994cash neededPurchase price£284,200
Deposit (25%)£71,050
Stamp duty+5% additional-property surcharge£18,420
Refurb£15,111
Legal + survey£2,150
Mortgage fees£5,263
Total cash neededdeposit + costs (loan covers the rest)£111,994
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
This beautifully presented three-bedroom semi-detached home offers stylish modern living in a highly convenient location, ideal for families, professionals, and first-time buyers alike. Situated within easy reach of Shrewsbury town centre, excellent schools, and a wide range of everyday amenities, the property combines contemporary comfort with superb accessibility.
The accommodation begins with a welcoming entrance hall leading to a bright and spacious living room. To the r…
Floor plans
Nearby active comparables1 rental · 5 deals
Comparable rentals
SY2 · same beds + typeMedian nearby: £1,500/mo · 1 of 1 already let+£187 vs our est
- 195 Sutton Road, Shrewsbury SY2 6QTLet3b£1,500/moMay 2026
Listing metarightmove · Belvoir
About this listing
106 days · RightmovePrice history
5-year price trend
Monthly profit
−£296
Cash needed
£112K
Return after costs
-3.17%
IRR
-3.18%
Listed 106d ago
The Magnolias, Shrewsbury, SY2
semi-detached · 3 bed · 2 bath
£284,200
est £1,313 · 5.54% gross
EPC B
1 / 25
5/100
Marginal
5.54% — verify the rent + comps locally.
5.54% Return before costs — around the area average for this property type.
Monthly profit −£296/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating B — Min. energy standard 2030 compliant.
Price
£284K
2% above sold comps
Return before costs
5.54%
est rent £1,313/monot enough comparablesRange £1,262–£1,366/mo (Q1–Q3)
Bedrooms
3
2 bath
Energy rating
B
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: £1,262–£1,366/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · £71,050
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £213,150 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£296
after mortgage, operating costs & tax
Rent in£1,313/mo gross
£1,263/mo collected · £51/mo lost to voids
Where it goes
£1,155Mortgage£404Costs
Outgoings exceed rent — you top up £296/mo
Mortgage£1,155
Costs£404
Management£131
Maintenance£67
Insurance£28
CapEx reserve£66
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£296
Returns
Return before costs on price5.54%
Cash return on cash-3.17%
Gross margin£859
Cash needed£111,994
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.09
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Shropshire · cap £723/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Shropshire
- LHA monthly cap:
- £723
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 | £15,756 | £4,847 | £13,855 | £0 | £0 | -£2,946 | -£2,946 |
| Year 2 | £16,229 | £4,992 | £13,855 | £0 | £0 | -£2,618 | -£5,564 |
| Year 3 | £16,716 | £5,142 | £13,855 | £0 | £0 | -£2,281 | -£7,845 |
| Year 4 | £17,217 | £5,296 | £13,855 | £0 | £0 | -£1,934 | -£9,779 |
| Year 5 | £17,734 | £5,455 | £13,855 | £0 | £0 | -£1,576 | -£11,356 |
Rent by the room upside
What we verified
6006
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingB
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 42.1%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,771
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£11,356
Acquisition costs
25% deposit£71,050
Stamp duty£18,420
Refurb£15,111
Legal + survey£2,150
Mortgage + broker£5,263
Cash needed£111,994
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
This beautifully presented three-bedroom semi-detached home offers stylish modern living in a highly convenient location, ideal for families, professionals, and first-time buyers alike. Situated within easy reach of Shrewsbury town centre, excellent schools, and a wide range of everyday amenities, the property combines contemporary comfort with superb accessibility.
The accommodation begins with a welcoming entrance hall leading to a bright and spacious living room. To the r…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice