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Year 5 disposal
⊞ View all 10
84/ 100
Strong
Strong investment fundamentals.
Why it works
- 7.79% return before costs — above-market
- 13.5% Rent by the room return before costs (net 7.21% after CapEx + bills) — conversion play
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
- EPC C — MEES compliant
Why to be cautious
- 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
+£19/mo
Barely breaks even each month
Price vs market
Above comparable sales
+9% vs 12 sold
Return · IRR
0.7%/yr
Modest annualised return
Cash to get in
£72K
Deposit + fees + refurb
Price £170KReturn before costs on price · Rent by the room 13.47%5-yr return on cash 8%Rent est. £1,103 (£1,063–£1,145)
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: £1,063–£1,145/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £42,500
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 — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £127,500 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
+£19
after mortgage, operating costs & tax
Rent in£1,103/mo gross
£1,061/mo collected · £42/mo lost to voids
Where it goes
£691Mortgage£346Costs
£19/mo left as profit · 2% of rent kept
Mortgage£691
Costs£346
Management£110
Maintenance£50
Insurance£20
CapEx reserve£55
Voids + council tax£7
Ltd co. accounts£104
Tax£5
Profit+£19
Returns
Return before costs on price7.79%
Cash return on cash0.32%
Gross margin£714
Cash needed£72,261
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.54
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 | £13,236 | £4,157 | £8,288 | £0 | £150 | £641 | £641 |
| Year 2 | £13,633 | £4,282 | £8,288 | £0 | £202 | £861 | £1,503 |
| Year 3 | £14,042 | £4,411 | £8,288 | £0 | £255 | £1,089 | £2,592 |
| Year 4 | £14,463 | £4,543 | £8,288 | £0 | £310 | £1,323 | £3,914 |
| Year 5 | £14,897 | £4,679 | £8,288 | £0 | £367 | £1,564 | £5,478 |
Disposal gain (gross)-£13,210
CGT£0
Net Disposal proceeds£183,001
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 ratingC
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand C
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 cohortPE7 1QJ · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Cambridge · 42.9 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 history92d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£90,000 in 2011 → £170,000 asking
+88.9%in 15y
- 2011£90,000—
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 — +£19/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 | 7.79% | +£19 | £72,261 | 7.6% | Low | Feasible |
| Housing-benefit rent | 5.70% | -£270 | £72,261 | -14.8% | Med | Feasible |
| Council lease | 0.00% | -£865 | £72,261 | -72.7% | Low | Feasible |
| Refurb & refinance | 7.79% | +£19 | £86,805 | 6.3% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £202,255 | 1% | Med | Feasible |
| Rent by the room | 13.86% | -£687 | £102,261 | -30.8% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
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
+£260/mo cash flow vs Rent it out if converted to Rent by the room
16.94% Return before costs on price converted vs 7.79% as-is
🔓 +1 bedroom potential
medium confidenceUnlocks ~£7,856/yr extra rent
3 → 4 lettable rooms
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 5 habitable rooms (3 beds + 2 reception(s)) in 62 m²; convert 1 spare room(s) to bedrooms, keeping one reception as the lounge → up to 4 lettable rooms; sized to Fenland adopted standard (6.51/10.22 m²; HMO Guidance for Landlords and Agents, Fenland District Council, June 2023); adds ~£655/mo; loft conversion may add 1-2 further rooms (subject to head height/planning — not counted)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
3 → 4 bed HMO+1 single
Sized to Fenland'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 @ £655/mo
≈ £1,964/mo gross room income
As-is Rent it out
Monthly profit+£23
Return before costs on price7.79%
Cash needed£54,398
If converted to Rent by the room
Monthly profit+£282
Return before costs on price16.94%
Cash needed£70,398
Δ vs Rent it out Monthly profit+£260
+1 room (4 total)
Monthly profit+£411
Return before costs on price18.48%
Cash needed£80,398
Extra rent+£655/mo
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£48,990–£92,080full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- 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
Based on 5 HMO comps within 377 m
Comparables
sold within 0.5 miWide · CV 33.6%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodNew Road Primary & Nursery SchoolPrimary · Academy converter · PE7 1SZ
- Not ratedAlderman Jacobs SchoolPrimary · Academy converter · PE7 1XJ
- Not ratedPark Lane Primary & Nursery SchoolPrimary · Academy converter · PE7 1JB
- Not ratedSir Harry Smith Community CollegeSecondary · Academy converter · PE7 1XB
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£13,236
Section 24 credit£0
Annual tax due£150
Post-tax Monthly profit annual£132
Exit costs
Projected sale price (5y · 2%/yr growth)£187,694
Capital gain (pre-CGT)£17,694
Sale costs (~2.5%)£4,692
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£5,478
Rates as of Oct 2024
Acquisition costs
£72,261cash neededPurchase price£170,000
Deposit (25%)£42,500
Stamp duty+5% additional-property surcharge£9,400
Refurb£15,111
Legal + survey£1,700
Mortgage fees£3,550
Total cash neededdeposit + costs (loan covers the rest)£72,261
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Situated in the charming Fenland Market Town of Whittlesey, Peterborough, this delightful extended end terraced house on Orchard Street offers a perfect blend of comfort and convenience. With its prime location, residents will enjoy the ease of walking to the town centre, where a variety of shops, cafes, and local amenities await. Internally comprising of two reception rooms, a modern kitchen, three good sized bedrooms, and a family bathroom.
The property boasts two spacious…
Floor plans
Nearby active comparables11 rentals
Comparable rentals
PE7 · same beds + typeMedian nearby: £1,350/mo · 10 of 11 already let+£247 vs our est
- Bayleaf Avenue, Peterborough PE7Let3b£1,350/moMay 2026
- Brickstead Road, Peterborough, Cambri…3b£1,350/moMay 2026
- Leaf Living at Great Haddon Wood, Pet…Let3b£1,370/moMay 2026
- Hargate Way, Hampton Hargate, Peterbo…Let3b£1,350/moMay 2026
- 3 bedroom Terraced House in Southwold…Let3b£1,375/moMay 2026
- Southwold Drive, Hampton Beach, Peter…Let3b£1,425/moMay 2026
- Hargate Way, Hampton Hargate, Peterbo…Let3b£1,395/moMay 2026
- Vale Drive, Hampton Vale, Peterboroug…Let3b£1,150/moMay 2026
- Beaumont Way, Hampton Hargate, Peterb…Let3b£1,250/moMay 2026
- Benington Close, Hampton Gardens, Pet…Let3b£750/moMay 2026
- Molyneux Square, Hampton Vale PE7Let3b£1,400/moDec 2025
Other deals nearby
PE7 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metarightmove · City & County (UK) Ltd
About this listing
92 days · RightmovePrice history
5-year price trend
Monthly profit
+£19
Cash needed
£72K
Return after costs
0.32%
IRR
0.66%
Listed 92d ago
Orchard Street, Whittlesey, Peterborough
terraced · 3 bed · 1 bath
£170,000
est £1,103 · 7.79% gross
EPC CListed buildingConservation area
1 / 10
84/100
Strong
Real 13.47% — fundamentals work.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.79% Return before costs — above-market
13.5% Rent by the room Return before costs — conversion play
Price
£170K
9% above sold comps
Return before costs (best)
13.47%
Rent by the room
Bedrooms
3
1 bath
Energy rating
C
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: £1,063–£1,145/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · £42,500
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 — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £127,500 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
+£19
after mortgage, operating costs & tax
Rent in£1,103/mo gross
£1,061/mo collected · £42/mo lost to voids
Where it goes
£691Mortgage£346Costs
£19/mo left as profit · 2% of rent kept
Mortgage£691
Costs£346
Management£110
Maintenance£50
Insurance£20
CapEx reserve£55
Voids + council tax£7
Ltd co. accounts£104
Tax£5
Profit+£19
Returns
Return before costs on price7.79%
Cash return on cash0.32%
Gross margin£714
Cash needed£72,261
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.54
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
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 | £13,236 | £4,157 | £8,288 | £0 | £150 | £641 | £641 |
| Year 2 | £13,633 | £4,282 | £8,288 | £0 | £202 | £861 | £1,503 |
| Year 3 | £14,042 | £4,411 | £8,288 | £0 | £255 | £1,089 | £2,592 |
| Year 4 | £14,463 | £4,543 | £8,288 | £0 | £310 | £1,323 | £3,914 |
| Year 5 | £14,897 | £4,679 | £8,288 | £0 | £367 | £1,564 | £5,478 |
Rent by the room upside
What we verified
6015
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaListed
Building condition▾
EPCEnergy efficiency ratingC
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 33.6%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,658
Annual rental tax£54
CGT yr 5£0 · company level
5y net total£5,478
Acquisition costs
25% deposit£42,500
Stamp duty£9,400
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£3,550
Cash needed£72,261
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
Situated in the charming Fenland Market Town of Whittlesey, Peterborough, this delightful extended end terraced house on Orchard Street offers a perfect blend of comfort and convenience. With its prime location, residents will enjoy the ease of walking to the town centre, where a variety of shops, cafes, and local amenities await. Internally comprising of two reception rooms, a modern kitchen, three good sized bedrooms, and a family bathroom.
The property boasts two spacious…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice