Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
EPC C — MEES compliant
Why to be cautious
Auction lot — bridging-only finance, 28-day completion
Service charge unknown — could swing £100-300/mo
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£147/mo
Barely breaks even each month
Price
£180K
No local sold comps to compare
Return · IRR
2.4%/yr
Modest annualised return
Cash to get in
£95K
Deposit + fees + refurb
Return before costson price10.67%5-yr return on cash 15%Rent est. £1,600 (£1,450–£1,766)
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).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £1,450–£1,766/mo · n=75
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£25,767–£48,098 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £135,000 loan + £1,000 booking fee
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.
Total cash neededdeposit + costs (loan covers the rest)£95,156
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
StrapLine
Auction Sale - 14/07/2026 - To book viewings, view the legal pack and register to bid please refer to the full sales particulars on the Savills Auctions website
A one bedroom basement flat, in need of modernisation, conveniently located for the local amenities of Hove. Vacant
Description
A one bedroom basement flat.
In need of modernisation.
Vacant
Location
York Road in Hove is positioned between Western Road and Church Road, offering easy access to shops, c…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.67% Return before costs — above-market
Price
£180K
Return before costs
10.67%
est rent £1,600/mo75 comps within 500 mRange £1,450–£1,766/mo (Q1–Q3)
Bedrooms
2
— bath
Energy rating
C
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-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: £1,450–£1,766/mo · n=75
Financing
DepositYour cash in — the rest is the mortgage25% · £45,000
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£25,767–£48,098 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £135,000 loan + £1,000 booking fee
Short-let (SA) context402 active short-lets nearby
Short-let market context
Local nightly-rate and occupancy benchmarks for this postcode.
402 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Brighton and Hove · cap £1,197/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Brighton and Hove
LHA monthly cap:
£1,197
Scheme type:
PSL
Premium:
+600% 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
£19,200
£7,513
£8,775
£0
£553
£2,360
£2,360
Year 2
£19,776
£7,738
£8,775
£0
£620
£2,643
£5,003
Year 3
£20,369
£7,970
£8,775
£0
£689
£2,935
£7,938
Year 4
£20,980
£8,209
£8,775
£0
£759
£3,237
£11,175
Year 5
£21,610
£8,455
£8,775
£0
£832
£3,547
£14,723
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
2506
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingC
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile3▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,755
Annual rental tax£413
CGT yr 5£0 · company level
5y net total£14,723
Acquisition costs
£95K
25% deposit£45,000
Stamp duty£10,100
Refurb£34,356
Legal + survey£2,000
Mortgage + broker£3,700
Cash needed£95,156
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
StrapLine
Auction Sale - 14/07/2026 - To book viewings, view the legal pack and register to bid please refer to the full sales particulars on the Savills Auctions website
A one bedroom basement flat, in need of modernisation, conveniently located for the local amenities of Hove. Vacant
Description
A one bedroom basement flat.
In need of modernisation.
Vacant
Location
York Road in Hove is positioned between Western Road and Church Road, offering easy access to shops, c…