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Year 5 disposal
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0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
Why to be cautious
- Monthly profit −£30,377/mo — heavily negative — needs monthly capital injection
- -18.7% 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.
- 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
−£30K/mo
You top up £30K/mo
Price
£6.95M
No local sold comps to compare
Return · IRR
-18.7%/yr
Loses money over 5 years
Cash to get in
£3.00M
Deposit + fees + refurb
5-yr return on cash -61%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £1,737,500
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 (£40,625–£75,834 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £3,125 legal + £1,100 survey
Mortgage fees (£)
2% product fee on £5,212,500 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£30,377
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£28,234Mortgage
Outgoings exceed rent — you top up £30,377/mo
Mortgage£28,234
Costs£2,143
Maintenance£67
Insurance£40
Voids + council tax£15
Service charge + ground rent£1,917
Ltd co. accounts£104
Tax—
Shortfall−£30,377
Returns
Return before costs on price0.00%
Cash return on cash-12.17%
Gross margin-£2,143
Cash needed£2,996,392
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £25,713 | £338,813 | £0 | £0 | -£364,525 | -£364,525 |
| Year 2 | £0 | £26,484 | £338,813 | £0 | £0 | -£365,297 | -£729,822 |
| Year 3 | £0 | £27,279 | £338,813 | £0 | £0 | -£366,091 | -£1,095,914 |
| Year 4 | £0 | £28,097 | £338,813 | £0 | £0 | -£366,910 | -£1,462,824 |
| Year 5 | £0 | £28,940 | £338,813 | £0 | £0 | -£367,753 | -£1,830,576 |
Disposal gain (gross)-£622,114
CGT£0
Net Disposal proceeds£7,481,528
What we verified
What we verified
32073 ok · 2 caution · 0 fail · 7 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
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
⚠️ Selective Licensing in scope
Designation 1 + 2 (15 of 18 wards excl. Pimlico South, St James, Vincent Square)
Rates as of May 2026
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
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Critical
Lender impact
Top-floor / penthouse listing — building almost certainly > 11 m. Must have EWS1 or PAS 9980 to be mortgageable; verify with vendor.
Most lenders refuse
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →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 profileMixed demand
Tenant profilelikely cohortNW8 7HF · 3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University College London · 2.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
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 · 3-bath · 2637 sqft · London ×1.4
£81k–£152k
£ per sqft
building cost only
£31–£58
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 3 × bathroom · Full strip + retile£12,600–£25,200
- Paint + decor£26,370–£47,466
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£36,918–£68,562
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
Price & sale history81d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£1,650,000 in 2000 → £6,950,000 asking
+321.2%in 26y
- 2000£1,650,000—
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 — +£1,555/mo · £30,354/mo ahead of Housing-benefit rent
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 0.00% | -£30,377 | £2,996,392 | -61.1% | Low | Feasible |
| Housing-benefit rent | 0.37% | -£28,799 | £2,996,392 | -57.4% | Med | Feasible |
| ⭐ Council lease | 5.95% | +£1,555 | £2,996,392 | 6.1% | Low | Feasible |
| Refurb & refinance | 0.00% | -£30,377 | £3,365,559 | -54.4% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£2,128 | £8,125,309 | 3% | Med | Feasible |
| Rent by the room | 0.62% | -£29,211 | £2,996,392 | -57.9% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Central London · cap £2,154/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Central London
- LHA monthly cap:
- £2,154
- Scheme type:
- PSL
- Premium:
- +1500% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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
+£1,216/mo cash flow vs Rent it out if converted to Rent by the room
0.41% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£27,351
Return before costs on price0.00%
Cash needed£1,749,398
If converted to Rent by the room
Monthly profit-£26,136
Return before costs on price0.41%
Cash needed£1,765,398
Δ vs Rent it out Monthly profit+£1,216
Show conversion detail
Conversion cost estimate
£56,000
Range: £47,600 – £67,200
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£148,068–£274,077full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 3 × bathroom£21,600–£39,600
- Rewire£13,185–£23,733
- Replumb£10,548–£21,096
- Windows£29,007–£52,740
- Paint + decor£26,370–£47,466
- Flooring£36,918–£68,562
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
- GoodSt John's Wood Primary SchoolPrimary · Community school · NW8 7AL
- Not ratedSaint Christina's SchoolNot applicable · Other independent school · NW8 7PY
- Not ratedWoodside SchoolNot applicable · Other independent special school · NW8 7NE
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£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£364,526
Exit costs
Projected sale price (5y · 2%/yr growth)£7,673,362
Capital gain (pre-CGT)£723,362
Sale costs (~2.5%)£191,834
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-£1,830,576
Rates as of Oct 2024
Acquisition costs
£2,996,392cash neededPurchase price£6,950,000
Deposit (25%)£1,737,500
Stamp duty+5% additional-property surcharge£1,095,250
Refurb£54,167
Legal + survey£4,225
Mortgage fees£105,250
Total cash neededdeposit + costs (loan covers the rest)£2,996,392
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Occupying the ninth and tenth floors of the prestigious Pavilion Apartments, this remarkable duplex penthouse offers an exceptional standard of living with uninterrupted views across Lord’s Cricket Ground and the London skyline beyond. With its enviable south-facing aspect, the apartment enjoys spectacular natural light throughout the day and a truly iconic outlook.
Every element of the interior has been meticulously considered, combining bespoke craftsmanship with an outsta…
Floor plans
Listing metarightmove · DDRE.global
About this listing
81 days · RightmovePrice history
5-year price trend
Monthly profit
−£30,377
Cash needed
£3.0M
Return after costs
-12.17%
IRR
-18.69%
Listed 81d ago
St. John's Wood Road, London, NW8
flat · 3 bed · 3 bath · 2,637 sqft
£6,950,000
1 / 16
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit −£30,377/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£7.0M
Return before costs
—
rent unknown
Bedrooms
3
3 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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £1,737,500
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 (£40,625–£75,834 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £3,125 legal + £1,100 survey
Mortgage fees (£)
2% product fee on £5,212,500 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 £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£30,377
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£28,234Mortgage
Outgoings exceed rent — you top up £30,377/mo
Mortgage£28,234
Costs£2,143
Maintenance£67
Insurance£40
Voids + council tax£15
Service charge + ground rent£1,917
Ltd co. accounts£104
Tax—
Shortfall−£30,377
Returns
Return before costs on price0.00%
Cash return on cash-12.17%
Gross margin-£2,143
Cash needed£2,996,392
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Central London · cap £2,154/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Central London
- LHA monthly cap:
- £2,154
- Scheme type:
- PSL
- Premium:
- +1500% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 | £0 | £25,713 | £338,813 | £0 | £0 | -£364,525 | -£364,525 |
| Year 2 | £0 | £26,484 | £338,813 | £0 | £0 | -£365,297 | -£729,822 |
| Year 3 | £0 | £27,279 | £338,813 | £0 | £0 | -£366,091 | -£1,095,914 |
| Year 4 | £0 | £28,097 | £338,813 | £0 | £0 | -£366,910 | -£1,462,824 |
| Year 5 | £0 | £28,940 | £338,813 | £0 | £0 | -£367,753 | -£1,830,576 |
Rent by the room upside
What we verified
4307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeLeasehold
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
Service chargeReduces net yield£20,000/yr
Ground rentDoubling clauses kill mortgageability£3,000/yr
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£67,763
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£1,830,576
Acquisition costs
25% deposit£1,737,500
Stamp duty£1,095,250
Refurb£54,167
Legal + survey£4,225
Mortgage + broker£105,250
Cash needed£2,996,392
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
Occupying the ninth and tenth floors of the prestigious Pavilion Apartments, this remarkable duplex penthouse offers an exceptional standard of living with uninterrupted views across Lord’s Cricket Ground and the London skyline beyond. With its enviable south-facing aspect, the apartment enjoys spectacular natural light throughout the day and a truly iconic outlook.
Every element of the interior has been meticulously considered, combining bespoke craftsmanship with an outsta…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice