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Year 5 disposal
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85/ 100
Strong
14.26% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£219/mo from completion — the no.1 reason to invest
- 10.67% return before costs — above-market
- 14.3% Rent by the room return before costs (net 7.36% after CapEx + bills) — conversion play
- 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
+£219/mo
Pays you every month, net of costs
Price
£143K
No local sold comps to compare
Return · IRR
3.6%/yr
Modest annualised return
Cash to get in
£66K
Deposit + fees + refurb
Return before costs on price · Rent by the room 14.26%5-yr return on cash 28%Rent est. £1,271 (£1,682–£960)
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: £1,682–£960/mo · n=40
Financing
DepositYour cash in — the rest is the mortgage25% · £35,750
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 (£10,523–£19,642 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £107,250 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£219
after mortgage, operating costs & tax
Rent in£1,271/mo gross
£1,222/mo collected · £49/mo lost to voids
Where it goes
£581Mortgage£370Costs£219Your profit
£219/mo left as profit · 18% of rent kept
Mortgage£581
Costs£370
Management£127
Maintenance£50
Insurance£20
CapEx reserve£64
Voids + council tax£5
Ltd co. accounts£104
Tax£52
Profit+£219
Returns
Return before costs on price10.67%
Cash return on cash3.99%
Gross margin£852
Cash needed£66,065
Monthly profit payback25y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.10
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £15,252 | £4,442 | £6,971 | £0 | £729 | £3,109 | £3,109 |
| Year 2 | £15,710 | £4,576 | £6,971 | £0 | £791 | £3,372 | £6,481 |
| Year 3 | £16,181 | £4,713 | £6,971 | £0 | £854 | £3,643 | £10,124 |
| Year 4 | £16,666 | £4,854 | £6,971 | £0 | £920 | £3,921 | £14,045 |
| Year 5 | £17,166 | £5,000 | £6,971 | £0 | £987 | £4,208 | £18,253 |
Disposal gain (gross)-£16,234
CGT£0
Net Disposal proceeds£153,936
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Council planning restrictionUnknown
Scottish Rent by the room licensingCouncil planning restriction not applicable
Article 4 Directions are an England-and-Wales planning instrument only. Scotland gates HMO conversion through the Mandatory HMO Licensing regime (Housing (Scotland) Act 2006).
Confirm your specific council's HMO licence conditions and policy density caps before offering. See the Scottish Government HMO guidance.
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
HeritageNot stated on the listing
Heritage& planning constraintsHES 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
Scotland uses a separate schools register — GIAS (the source we use for England) doesn't cover it.
Investor
Tenant profileFamily let
Tenant profilelikely cohortAB21 9UQ · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Aberdeen · 5.3 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 · 850 sqft
£22k–£44k
£ per sqft
building cost only
£26–£52
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,950–£11,050
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£9,350–£17,850
Guide rates · UK May 2026
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 history93d on market1 price change
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£168,660 in 2011 → £143,000 asking
-15.2%in 15y
- 2011£168,660-7.6% in 4y
- 2007£182,500—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Council lease wins — +£263/mo · £44/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 10.67% | +£219 | £66,065 | 27.6% | Low | Feasible |
| Housing-benefit rent | 7.20% | -£120 | £66,065 | -2.0% | Med | Feasible |
| ⭐ Council lease | 10.67% | +£263 | £66,065 | 28.0% | Low | Feasible |
| Refurb & refinance | 10.67% | +£219 | £78,827 | 23.2% | Med | Feasible |
| Short-stay let / Airbnb | 6.24% | -£352 | £66,065 | -30.5% | High | Feasible |
| Buy, improve & sell | 0.00% | -£174 | £175,782 | -1% | Med | Feasible |
| Rent by the room | 14.26% | -£653 | £92,065 | -33.8% | — | Feasible |
Short-let (SA) context284 active short-lets nearby
Short-let market context
- 284 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £858/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Aberdeen and Shire
- LHA monthly cap:
- £858
- Scheme type:
- none
- Premium:
- +700% 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
Local lettings demandby strategyLive area data
Short-stay let22% occupancy
£114/night ADR
Based on 14 short-let comps nearby
Rent by the room conversion upside
+£149/mo cash flow vs Rent it out if converted to Rent by the room
20.14% Return before costs on price converted vs 10.67% as-is
Room mix (3 lettable rooms)
2× Double @ £560/mo1× En-suite @ £578/mo
≈ £1,699/mo gross room income
As-is Rent it out
Monthly profit+£219
Return before costs on price10.67%
Cash needed£47,648
If converted to Rent by the room
Monthly profit+£368
Return before costs on price20.14%
Cash needed£63,648
Δ vs Rent it out Monthly profit+£149
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£44,090–£82,980full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,400–£5,950
- Replumb£2,550–£5,100
- Windows£8,500–£15,300
- Paint + decor£5,950–£11,050
- Flooring£9,350–£17,850
Based on 90 HMO comps within 2.0 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score10 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Tax treatment
Annual gross rent£15,252
Section 24 credit£0
Annual tax due£729
Post-tax Monthly profit annual£2,523
Exit costs
Projected sale price (5y · 2%/yr growth)£157,884
Capital gain (pre-CGT)£14,884
Sale costs (~2.5%)£3,947
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£18,253
Rates as of Oct 2024
Acquisition costs
£66,065cash neededPurchase price£143,000
Deposit (25%)£35,750
Stamp duty+8% Additional Dwelling Supplement (ADS)£11,440
Refurb£14,030
Legal + survey£1,700
Mortgage fees£3,145
Total cash neededdeposit + costs (loan covers the rest)£66,065
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Pleasant Parkhead Gardens enjoys a desirable setting within the popular Bucksburn area of Aberdeen, a well-established residential community that continues to attract families, professionals and commuters alike. Offering well-proportioned accommodation throughout, the property benefits from an excellent range of local amenities, highly regarded schooling and superb transport connections, making it an ideal purchase for a wide variety of buyers.
he property falls within t…
Floor plans
Listing metarightmove · Martin & Co
About this listing
93 days · RightmovePrice history
5-year price trend
Monthly profit
+£219
Cash needed
£66K
Return after costs
3.99%
IRR
3.59%
Listed 93d ago
Parkhead Gardens, Aberdeen
terraced · 3 bed · 1 bath · 850 sqft
£143,000
est £1,271 · 10.67% gross
1 / 20
85/100
Strong
14.26% Rent by the room strategy — market rent unverified, verify locally.
Monthly profit +£219/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.67% Return before costs — above-market
14.3% Rent by the room Return before costs — conversion play
Price
£143K
Return before costs (best)
14.26%
Rent by the room
Bedrooms
3
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: £1,682–£960/mo · n=40
Financing
DepositYour cash in — the rest is the mortgage25% · £35,750
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 (£10,523–£19,642 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £107,250 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£219
after mortgage, operating costs & tax
Rent in£1,271/mo gross
£1,222/mo collected · £49/mo lost to voids
Where it goes
£581Mortgage£370Costs£219Your profit
£219/mo left as profit · 18% of rent kept
Mortgage£581
Costs£370
Management£127
Maintenance£50
Insurance£20
CapEx reserve£64
Voids + council tax£5
Ltd co. accounts£104
Tax£52
Profit+£219
Returns
Return before costs on price10.67%
Cash return on cash3.99%
Gross margin£852
Cash needed£66,065
Monthly profit payback25y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.10
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Short-let (SA) context284 active short-lets nearby
Short-let market context
- 284 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Aberdeen and Shire · cap £858/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Aberdeen and Shire
- LHA monthly cap:
- £858
- Scheme type:
- none
- Premium:
- +700% 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 | £15,252 | £4,442 | £6,971 | £0 | £729 | £3,109 | £3,109 |
| Year 2 | £15,710 | £4,576 | £6,971 | £0 | £791 | £3,372 | £6,481 |
| Year 3 | £16,181 | £4,713 | £6,971 | £0 | £854 | £3,643 | £10,124 |
| Year 4 | £16,666 | £4,854 | £6,971 | £0 | £920 | £3,921 | £14,045 |
| Year 5 | £17,166 | £5,000 | £6,971 | £0 | £987 | £4,208 | £18,253 |
Rent by the room upside
What we verified
5007
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▾
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,394
Annual rental tax£618
CGT yr 5£0 · company level
5y net total£18,253
Acquisition costs
25% deposit£35,750
Stamp duty£11,440
Refurb£14,030
Legal + survey£1,700
Mortgage + broker£3,145
Cash needed£66,065
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
Pleasant Parkhead Gardens enjoys a desirable setting within the popular Bucksburn area of Aberdeen, a well-established residential community that continues to attract families, professionals and commuters alike. Offering well-proportioned accommodation throughout, the property benefits from an excellent range of local amenities, highly regarded schooling and superb transport connections, making it an ideal purchase for a wide variety of buyers.
he property falls within t…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice