Skip to main contenthow this is calculated →
Year 5 disposal
BMV -11%
⊞ View all 18
60/ 100
Solid
Real 11.63% Rent by the room return before costs with manageable risks.
Why it works
- 11.6% Rent by the room return before costs (net 5.94% after CapEx + bills) — conversion play
- Priced below market -11% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Monthly profit −£124/mo — mildly negative — equity build may cover
- -1.1% 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
−£124/mo
You top up £124/mo
Price vs market
Below market value
-11% vs 12 sold · interior unseen
Return · IRR
-1.1%/yr
Loses money over 5 years
Cash left in
£76K
Stays in after refinancing at value
Price £180KCash to buy £93KReturn before costs on price · Rent by the room 11.63%5-yr return on cash -3%Rent est. £992 (£981–£1,003)
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: £981–£1,003/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£24,236–£45,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 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
-£124
after mortgage, operating costs & tax
Rent in£992/mo gross
£954/mo collected · £38/mo lost to voids
Where it goes
£731Mortgage£346Costs
Outgoings exceed rent — you top up £124/mo
Mortgage£731
Costs£346
Management£99
Maintenance£67
Insurance£20
CapEx reserve£50
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£124
Returns
Return before costs on price6.61%
Cash return on cash-1.60%
Gross margin£607
Cash needed£92,815
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.30
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 | £11,904 | £4,157 | £8,775 | £0 | £0 | -£1,028 | -£1,028 |
| Year 2 | £12,261 | £4,281 | £8,775 | £0 | £0 | -£795 | -£1,823 |
| Year 3 | £12,629 | £4,410 | £8,775 | £0 | £0 | -£556 | -£2,379 |
| Year 4 | £13,008 | £4,542 | £8,775 | £0 | £0 | -£309 | -£2,688 |
| Year 5 | £13,398 | £4,678 | £8,775 | £0 | £0 | -£55 | -£2,743 |
Disposal gain (gross)-£30,349
CGT£0
Net Disposal proceeds£193,766
What we verified
What we verified
51065 ok · 1 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 ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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 cohortS26 2EP · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Sheffield Hallam · 10.5 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 · 1-bath · 990 sqft
£25k–£49k
£ per sqft
building cost only
£25–£49
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- 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 history105d on marketno cuts yet
Strategy matrix
Rent by the room wins — +£721/mo · £800/mo ahead of Council lease (after room-conversion)
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 6.61% | -£124 | £92,815 | -3.0% | Low | Feasible |
| Housing-benefit rent | 4.52% | -£425 | £92,815 | -22.6% | Med | Feasible |
| Council lease | 6.61% | -£79 | £92,815 | -2.5% | Low | Feasible |
| Refurb & refinance | 6.61% | -£124 | £114,741 | -2.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£191 | £237,041 | -8% | Med | Feasible |
| ⭐ Rent by the room | 7.02% * | +£721 | £94,029 | — | — | Feasible |
* Rent by the room shows net yield on cost for the audited HMO conversion deal (post-conversion, after running costs) — not gross like the other rows. Its 5-yr ROI reads “—” because the audited deal is a year-one snapshot; the HMO conversion panel below shows the cash-back / payback horizon.
Housing-benefit (LHA) scheme detailBRMA Sheffield · cap £678/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Sheffield
- LHA monthly cap:
- £678
- 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 impact
Local lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
+£352/mo cash flow vs Rent it out if converted to Rent by the room
16.00% Return before costs on price converted vs 6.61% as-is
£180k → 5-bed HMO @ ~£511/room: £2,336 pcm gross, ~£1,339 pcm net (7.0% net on £229k all-in incl. ~£36k works); needs +1 bathroom; GDV ~£179k → refinance releases ~£-1k (~£95k left in)
medium confidence
Unlocks ~£13,952/yr extra rent
3 → 5 lettable rooms · ~8.4% gross at max
Potential, not guaranteed (subject to planning + regs). Estimate from the floorplan (kitchen size assumed) — verify room sizes against the floorplan before offering.
How we calculated this
floorplan shows 6 habitable rooms (3 beds + 3 reception(s)) in 105 m²; convert 2 spare room(s) to bedrooms, keeping one reception as the lounge → up to 5 lettable rooms (incl. the garage — convertible to a bedroom or the communal area); sized to Rotherham adopted standard (6.52/10.23 m²; Houses in Multiple Occupation Guidance and Amenity Standards, January 2018 (updated September 2018)); adds ~£1,163/mo; loft conversion may add 1-2 further rooms (subject to head height/planning — not counted); mandatory HMO licence (5+ persons, England)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
3 → 5 bed HMO+2 singles7.02% net on cost9.2% cash-on-cashuplift 6.61% → 8.39%
💷 Refinance could release ~-£1,072
HMO licence+1 bathroom needed
Sized to Rotherham's adopted HMO standards
Projections use documented assumptions (local room rates, typical conversion costs, 75% LTV at 5.5%, indicative regional valuation yields) and each council’s published HMO standards. Not financial advice. Verify room sizes, licensing and planning with the council and a surveyor before purchase.
Room mix (3 lettable rooms)
3× Double @ £581/mo
≈ £1,744/mo gross room income
As-is Rent it out
Monthly profit-£101
Return before costs on price6.61%
Cash needed£56,898
If converted to Rent by the room
Monthly profit+£251
Return before costs on price16.00%
Cash needed£72,898
Δ vs Rent it out Monthly profit+£352
+2 rooms (5 total)
Monthly profit+£548
Return before costs on price19.38%
Cash needed£92,898
Extra rent+£1,163/mo
Show conversion detail
Conversion cost estimate
£50,400
Range: £44,100 – £58,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£55,700–£102,700full refurb + room split
What's in this cost
- Kitchen£9,000–£18,000
- 1 × bathroom£6,000–£11,000
- Rewire£4,400–£7,700
- Replumb£3,300–£6,600
- Windows£11,000–£19,800
- Paint + decor£8,800–£15,400
- Flooring£13,200–£24,200
Based on 15 HMO comps within 1.0 km
Comparables
sold within 0.5 miWide · CV 34.0%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodAston All Saints CofE (A) Primary SchoolPrimary · Academy converter · S26 2BL
- GoodAston Lodge Primary SchoolPrimary · Academy converter · S26 2BL
- Not ratedAston Hall Junior and Infant SchoolPrimary · Academy converter · S26 2AX
- Not ratedSpringwood Primary AcademyPrimary · Academy converter · S26 2AL
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£11,904
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,485
Exit costs
Projected sale price (5y · 2%/yr growth)£198,735
Capital gain (pre-CGT)£18,735
Sale costs (~2.5%)£4,968
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-£2,743
Rates as of Oct 2024
Acquisition costs
£92,815cash neededPurchase price£180,000
Deposit (25%)£45,000
Stamp duty+5% additional-property surcharge£10,100
Refurb£32,315
Legal + survey£1,700
Mortgage fees£3,700
Total cash neededdeposit + costs (loan covers the rest)£92,815
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Charming Semi-Detached Home with Huge Potential – Ideal Family Project
Nestled in a well-established residential area, this semi-detached property offers a fantastic opportunity for buyers looking to create their perfect family home. In need of modernisation throughout, the house provides a blank canvas with endless potential to add value and personal style.
The property boasts a generous layout, including a spacious living room / dining room, and a good-sized kitchen with…
Floor plans
Nearby active comparables3 rentals · 5 deals
Comparable rentals
S26 · same beds + typeMedian nearby: £1,200/mo · 3 of 3 already let+£208 vs our est
- Mansfield Road, Sheffield, S26Let3b£1,200/moMay 2026
- Mansfield Road, Sheffield, S26Let3b£1,200/moMay 2026
- Duckham Drive, SheffieldLet3b£1,050/moMay 2026
Listing metarightmove · Yopa
About this listing
105 days · RightmovePrice history
5-year price trend
Monthly profit
−£124
Cash needed
£93K
Return after costs
-1.60%
IRR
-1.08%
Listed 105d ago
St. Stephens Drive, Sheffield, S26
semi-detached · 3 bed · 1 bath
£180,000
est £992 · 6.61% gross
EPC D
Priced below market
1 / 18
60/100
Solid
Real 11.63% — fundamentals work.
Priced below market -11% vs 12 nearby sold (last 12 mo)
11.6% Rent by the room Return before costs — conversion play
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£180K
11% below sold comps
Return before costs (best)
11.63%
Rent by the room
Bedrooms
3
1 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £981–£1,003/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
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 (£24,236–£45,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £135,000 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
-£124
after mortgage, operating costs & tax
Rent in£992/mo gross
£954/mo collected · £38/mo lost to voids
Where it goes
£731Mortgage£346Costs
Outgoings exceed rent — you top up £124/mo
Mortgage£731
Costs£346
Management£99
Maintenance£67
Insurance£20
CapEx reserve£50
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£124
Returns
Return before costs on price6.61%
Cash return on cash-1.60%
Gross margin£607
Cash needed£92,815
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.30
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Sheffield · cap £678/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Sheffield
- LHA monthly cap:
- £678
- 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 | £11,904 | £4,157 | £8,775 | £0 | £0 | -£1,028 | -£1,028 |
| Year 2 | £12,261 | £4,281 | £8,775 | £0 | £0 | -£795 | -£1,823 |
| Year 3 | £12,629 | £4,410 | £8,775 | £0 | £0 | -£556 | -£2,379 |
| Year 4 | £13,008 | £4,542 | £8,775 | £0 | £0 | -£309 | -£2,688 |
| Year 5 | £13,398 | £4,678 | £8,775 | £0 | £0 | -£55 | -£2,743 |
Rent by the room upside
What we verified
5106
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▾
EPC~£3,000–£7,000 to upgrade to CD
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 34.0%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,755
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£2,743
Acquisition costs
25% deposit£45,000
Stamp duty£10,100
Refurb£32,315
Legal + survey£1,700
Mortgage + broker£3,700
Cash needed£92,815
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
Charming Semi-Detached Home with Huge Potential – Ideal Family Project
Nestled in a well-established residential area, this semi-detached property offers a fantastic opportunity for buyers looking to create their perfect family home. In need of modernisation throughout, the house provides a blank canvas with endless potential to add value and personal style.
The property boasts a generous layout, including a spacious living room / dining room, and a good-sized kitchen with…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice