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Year 5 disposal
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Weak
7.58% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Monthly profit −£544/mo — heavily negative — needs monthly capital injection
- -6.9% 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
−£544/mo
You top up £544/mo
Price
£235K
No local sold comps to compare
Return · IRR
-6.9%/yr
Loses money over 5 years
Cash to get in
£95K
Deposit + fees + refurb
Return before costs on price · Rent by the room 7.58%5-yr return on cash -31%Rent est. £802 (£724–£888)
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: £724–£888/mo · n=95
Financing
DepositYour cash in — the rest is the mortgage25% · £58,750
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 (£11,963–£22,331 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £176,250 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 £200K–£400K
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£544
after mortgage, operating costs & tax
Rent in£802/mo gross
£771/mo collected · £31/mo lost to voids
Where it goes
£955Mortgage£360Costs
Outgoings exceed rent — you top up £544/mo
Mortgage£955
Costs£360
Management£80
Maintenance£100
Insurance£28
CapEx reserve£40
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£544
Returns
Return before costs on price4.10%
Cash return on cash-6.88%
Gross margin£411
Cash needed£94,876
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.81
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 | £9,624 | £4,321 | £11,456 | £0 | £0 | -£6,153 | -£6,153 |
| Year 2 | £9,913 | £4,451 | £11,456 | £0 | £0 | -£5,994 | -£12,148 |
| Year 3 | £10,210 | £4,584 | £11,456 | £0 | £0 | -£5,830 | -£17,978 |
| Year 4 | £10,516 | £4,722 | £11,456 | £0 | £0 | -£5,662 | -£23,640 |
| Year 5 | £10,832 | £4,863 | £11,456 | £0 | £0 | -£5,488 | -£29,127 |
Disposal gain (gross)-£13,628
CGT£0
Net Disposal proceeds£252,973
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 cohortSR3 2TY · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Northumbria · 18.5 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 · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- 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 history77d on market2 price changes
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£185,000 in 2020 → £235,000 asking
+27.0%in 6y
- 2020£185,000+94.7% in 19y
- 2001£95,000+30.2% in 6y
- 1995£72,950—
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 — -£425/mo · £119/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 | 4.10% | -£544 | £94,876 | -30.7% | Low | Feasible |
| Housing-benefit rent | 2.80% | -£789 | £94,876 | -46.4% | Med | Feasible |
| ⭐ Council lease | 4.10% | -£425 | £94,876 | -24.8% | Low | Feasible |
| Refurb & refinance | 4.10% | -£544 | £113,006 | -25.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £272,981 | 3% | Med | Feasible |
| Rent by the room | 7.58% | -£1,184 | £120,876 | -53.4% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Sunderland · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Sunderland
- LHA monthly cap:
- £549
- Scheme type:
- PSL
- Premium:
- +1200% 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
+£547/mo cash flow vs Rent it out if converted to Rent by the room
12.26% Return before costs on price converted vs 4.10% as-is
Room mix (3 lettable rooms)
1× Double @ £515/mo1× Single @ £420/mo1× En-suite @ £551/mo
≈ £1,485/mo gross room income
As-is Rent it out
Monthly profit-£470
Return before costs on price4.10%
Cash needed£70,648
If converted to Rent by the room
Monthly profit+£77
Return before costs on price12.26%
Cash needed£86,648
Δ vs Rent it out Monthly profit+£547
Show conversion detail
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£57,150–£103,440full refurb + room split
What's in this cost
- Kitchen£8,820–£17,640
- 2 × bathroom£11,700–£21,450
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£7,920–£12,870
- Flooring£11,880–£20,790
Based on 1028 HMO comps within 5.4 km
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- OutstandingMill Hill Nursery SchoolNursery · Local authority nursery school · SR3 2PJ
- GoodPortland AcademyNot applicable · Academy special converter · SR3 2NQ
- GoodSt Leonard's Catholic Primary School, SilksworthPrimary · Academy converter · SR3 2BB
- Not ratedSunningdale SchoolNot applicable · Community special school · SR3 2PP
- Not ratedMill Hill Primary SchoolPrimary · Community school · SR3 2PJ
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£9,624
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£6,524
Exit costs
Projected sale price (5y · 2%/yr growth)£259,459
Capital gain (pre-CGT)£24,459
Sale costs (~2.5%)£6,486
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-£29,127
Rates as of Oct 2024
Acquisition costs
£94,876cash neededPurchase price£235,000
Deposit (25%)£58,750
Stamp duty+5% additional-property surcharge£13,950
Refurb£15,951
Legal + survey£1,700
Mortgage fees£4,525
Total cash neededdeposit + costs (loan covers the rest)£94,876
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
An impressive 3 bedroomed detached house that should be viewed to be fully appreciated. Cam Mead is a small cul-de-sac situated in Thirstley Wood and commands a superb location providing easy access to Doxford International, the A19, local shops, schools and amenities as we as being within reach of Sunderland City Centre. The living accommodation briefly comprises of: Entrance Vestibule, Living Room, Kitchen / Dining / Family Room. To the First Floor there is a Landing, 3 Be…
Floor plans
Listing metarightmove · Michael Hodgson
About this listing
77 days · RightmovePrice history
5-year price trend
Monthly profit
−£544
Cash needed
£95K
Return after costs
-6.88%
IRR
-6.88%
Listed 77d ago
Cam Mead, Thristley Wood, Sunderland
detached · 3 bed · 2 bath
£235,000
est £802 · 4.10% gross
EPC D
1 / 18
0/100
Marginal
7.58% Rent by the room strategy — market rent unverified, verify locally.
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£235K
Return before costs (best)
7.58%
Rent by the room
Bedrooms
3
2 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: £724–£888/mo · n=95
Financing
DepositYour cash in — the rest is the mortgage25% · £58,750
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 (£11,963–£22,331 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £176,250 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 £200K–£400K
Maintenance (£/mo)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£544
after mortgage, operating costs & tax
Rent in£802/mo gross
£771/mo collected · £31/mo lost to voids
Where it goes
£955Mortgage£360Costs
Outgoings exceed rent — you top up £544/mo
Mortgage£955
Costs£360
Management£80
Maintenance£100
Insurance£28
CapEx reserve£40
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£544
Returns
Return before costs on price4.10%
Cash return on cash-6.88%
Gross margin£411
Cash needed£94,876
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.81
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Sunderland · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Sunderland
- LHA monthly cap:
- £549
- Scheme type:
- PSL
- Premium:
- +1200% 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 | £9,624 | £4,321 | £11,456 | £0 | £0 | -£6,153 | -£6,153 |
| Year 2 | £9,913 | £4,451 | £11,456 | £0 | £0 | -£5,994 | -£12,148 |
| Year 3 | £10,210 | £4,584 | £11,456 | £0 | £0 | -£5,830 | -£17,978 |
| Year 4 | £10,516 | £4,722 | £11,456 | £0 | £0 | -£5,662 | -£23,640 |
| Year 5 | £10,832 | £4,863 | £11,456 | £0 | £0 | -£5,488 | -£29,127 |
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,291
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£29,127
Acquisition costs
25% deposit£58,750
Stamp duty£13,950
Refurb£15,951
Legal + survey£1,700
Mortgage + broker£4,525
Cash needed£94,876
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
An impressive 3 bedroomed detached house that should be viewed to be fully appreciated. Cam Mead is a small cul-de-sac situated in Thirstley Wood and commands a superb location providing easy access to Doxford International, the A19, local shops, schools and amenities as we as being within reach of Sunderland City Centre. The living accommodation briefly comprises of: Entrance Vestibule, Living Room, Kitchen / Dining / Family Room. To the First Floor there is a Landing, 3 Be…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice