Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 21
0/ 100
Weak
3.66% return before costs — verify the rent + comps locally.
Why it works
- EPC B — MEES compliant
Why to be cautious
- 3.66% return — below most lender Rent-covers-mortgage checks
- Monthly profit −£2,033/mo — heavily negative — needs monthly capital injection
- -7.2% 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
−£2K/mo
You top up £2K/mo
Price
£1.15M
No local sold comps to compare
Return · IRR
-7.2%/yr
Loses money over 5 years
Cash to get in
£463K
Deposit + fees + refurb
Return before costs on price 3.66%5-yr return on cash -22%Rent est. £3,508 (£3,026–£4,067)
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: £3,026–£4,067/mo · n=30
Financing
DepositYour cash in — the rest is the mortgage25% · £287,500
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 (£27,908–£52,094 range), VAT-inclusive
Legal + survey (£)
Standard house — £2,400 legal + £1,300 survey
Mortgage fees (£)
2% product fee on £862,500 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£2,033
after mortgage, operating costs & tax
Rent in£3,508/mo gross
£3,373/mo collected · £135/mo lost to voids
Where it goes
£4,672Mortgage
Outgoings exceed rent — you top up £2,033/mo
Mortgage£4,672
Costs£734
Management£351
Maintenance£50
Insurance£40
CapEx reserve£175
Voids + council tax£14
Ltd co. accounts£104
Tax—
Shortfall−£2,033
Returns
Return before costs on price3.66%
Cash return on cash-5.27%
Gross margin£2,639
Cash needed£462,910
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.72
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 | £42,096 | £8,810 | £56,063 | £0 | £0 | -£22,776 | -£22,776 |
| Year 2 | £43,359 | £9,074 | £56,063 | £0 | £0 | -£21,778 | -£44,554 |
| Year 3 | £44,660 | £9,346 | £56,063 | £0 | £0 | -£20,749 | -£65,303 |
| Year 4 | £45,999 | £9,627 | £56,063 | £0 | £0 | -£19,690 | -£84,993 |
| Year 5 | £47,379 | £9,916 | £56,063 | £0 | £0 | -£18,599 | -£103,592 |
Disposal gain (gross)-£69,209
CGT£0
Net Disposal proceeds£1,237,951
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
Conversion approvability
Per-property planning assessment
Likely approvable94% likely
Confidence: low
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 94% (349 decisions)
- this council refuses HMOs that would sandwich a family home between two HMOs — check both adjoining properties
- NO HMO concentration data for this council: neither a licensed register nor granted change-of-use decisions nearby. This is ABSENCE OF DATA, not absence of HMOs — verify with the council before relying on it
Rent by the room concentration nearby
≈0.0% within 100 m vs 10% policy
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 ratingB
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand B
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 cohortBA1 9DP · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Bath · 4.4 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 2-bath · 2178 sqft
£50k–£96k
£ per sqft
building cost only
£23–£44
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£15,246–£28,314
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£23,958–£45,738
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 history75d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£1,050,000 in 2018 → £1,150,000 asking
+9.5%in 8y
- 2018£1,050,000—
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 — -£2,033/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 | 3.66% | -£2,033 | £462,910 | -22.4% | Low | Feasible |
| Housing-benefit rent | 2.02% | -£3,433 | £462,910 | -41.4% | Med | Feasible |
| Council lease | 2.02% | -£3,023 | £462,910 | -37.9% | Low | Feasible |
| Refurb & refinance | 3.66% | -£2,033 | £535,294 | -19.4% | Med | Feasible |
| Short-stay let / Airbnb | 4.57% | -£2,591 | £462,910 | -31.6% | High | Feasible |
| Buy, improve & sell | 0.00% | -£194 | £1,322,044 | 4% | Med | Feasible |
| Rent by the room | 3.23% | -£4,624 | £496,910 | -52.6% | — | Feasible |
Short-let (SA) context296 active short-lets nearby
Short-let market context
- 296 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Bath · cap £1,940/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bath
- LHA monthly cap:
- £1,940
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- 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
Local lettings demandby strategyLive area data
Short-stay let82% occupancy
£176/night ADR
Based on 51 short-let comps nearby
Rent by the room conversion upside
-£1,631/mo cash flow vs Rent it out if converted to Rent by the room
2.50% Return before costs on price converted vs 3.66% as-is
Room mix (4 lettable rooms)
2× Double @ £796/mo1× Single @ £629/mo1× En-suite @ £876/mo
≈ £3,098/mo gross room income
As-is Rent it out
Monthly profit-£1,848
Return before costs on price3.66%
Cash needed£299,398
If converted to Rent by the room
Monthly profit-£3,479
Return before costs on price2.50%
Cash needed£315,398
Δ vs Rent it out Monthly profit-£1,631
Show conversion detail
Conversion cost estimate
£31,200
Range: £24,000 – £40,800
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 94% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 94% (349 decisions)
≈0.0% within 100 m vs 10% policy
£107,382–£203,902full refurb + room split
What's in this cost
- Kitchen£9,540–£19,080
- 2 × bathroom£12,900–£23,650
- Rewire£8,712–£17,424
- Replumb£6,534–£15,246
- Windows£21,780–£41,382
- Paint + decor£19,602–£34,848
- Flooring£28,314–£52,272
Based on 1340 HMO comps within 2.6 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
Citywide Article 4 (Bath and North East Somerset)
≈0.0% within 100 m vs 10% policy
Schools & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
- GoodOldfield SchoolSecondary · Academy converter · BA1 9AB
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£42,096
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£24,395
Exit costs
Projected sale price (5y · 2%/yr growth)£1,269,693
Capital gain (pre-CGT)£119,693
Sale costs (~2.5%)£31,742
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-£103,592
Rates as of Oct 2024
Acquisition costs
£462,910cash neededPurchase price£1,150,000
Deposit (25%)£287,500
Stamp duty+5% additional-property surcharge£116,250
Refurb£37,210
Legal + survey£3,700
Mortgage fees£18,250
Total cash neededdeposit + costs (loan covers the rest)£462,910
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Situation
Granville Terrace enjoys a peaceful position towards the end of Granville Road, tucked away from passing traffic and offering a tranquil setting. The surrounding area provides an abundance of scenic countryside walks, while the renowned Hare & Hounds gastropub is just a short stroll away.
Regular bus services run along nearby Lansdown Road, providing convenient access to Bath city centre, while the M4 is easily reached.
The property is ideally situated for some o…
Floor plans
Nearby active comparables11 rentals · 5 deals
Comparable rentals
BA1 · same beds + typeMedian nearby: £3,000/mo · 9 of 11 already let-£508 vs our est
- Locksbrook Road, Bath, BA1Let4b£3,000/moMay 2026
- St. James's Park, Bath, BA1Let4b£3,000/moMay 2026
- Monmouth Place, Bath4b£3,000/moMay 2026
- Cork Terrace,Lower Weston,Bath,BA1Let4b£3,200/moMay 2026
- St. James's Park, Bath, BA1Let4b£3,000/moMay 2026
- Locksbrook Road, Bath, BA1Let4b£3,000/moMay 2026
- Alpine Gardens, Bath, BA14b£2,800/moMay 2026
- St. James's Park, Bath BA1Let4b£3,000/moApr 2026
- Locksbrook Road, Bath BA1Let4b£3,000/moApr 2026
- Alpine Gardens, Bath BA1Let4b£2,800/moApr 2026
- Charlotte Street, Bath, Somerset BA1Let4b£3,500/moNov 2025
Listing metarightmove · Crisp Cowley
About this listing
75 days · RightmovePrice history
5-year price trend
Monthly profit
−£2,033
Cash needed
£463K
Return after costs
-5.27%
IRR
-7.16%
Listed 75d ago
Granville Road, Bath, BA1
terraced · 4 bed · 2 bath · 2,178 sqft
£1,150,000
est £3,508 · 3.66% gross
EPC B
1 / 21
0/100
Marginal
3.66% — verify the rent + comps locally.
3.66% Return before costs — around the area average for this property type.
Monthly profit −£2,033/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating B — Min. energy standard 2030 compliant.
Price
£1.1M
Return before costs
3.66%
est rent £3,508/monot enough comparablesRange £3,026–£4,067/mo (Q1–Q3)
Bedrooms
4
2 bath
Energy rating
B
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: £3,026–£4,067/mo · n=30
Financing
DepositYour cash in — the rest is the mortgage25% · £287,500
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 (£27,908–£52,094 range), VAT-inclusive
Legal + survey (£)
Standard house — £2,400 legal + £1,300 survey
Mortgage fees (£)
2% product fee on £862,500 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
-£2,033
after mortgage, operating costs & tax
Rent in£3,508/mo gross
£3,373/mo collected · £135/mo lost to voids
Where it goes
£4,672Mortgage
Outgoings exceed rent — you top up £2,033/mo
Mortgage£4,672
Costs£734
Management£351
Maintenance£50
Insurance£40
CapEx reserve£175
Voids + council tax£14
Ltd co. accounts£104
Tax—
Shortfall−£2,033
Returns
Return before costs on price3.66%
Cash return on cash-5.27%
Gross margin£2,639
Cash needed£462,910
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.72
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Short-let (SA) context296 active short-lets nearby
Short-let market context
- 296 active short-let listings in this postcode
Housing-benefit (LHA) scheme detailBRMA Bath · cap £1,940/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bath
- LHA monthly cap:
- £1,940
- Scheme type:
- leasing
- Premium:
- +0% premium over LHA cap
- 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 | £42,096 | £8,810 | £56,063 | £0 | £0 | -£22,776 | -£22,776 |
| Year 2 | £43,359 | £9,074 | £56,063 | £0 | £0 | -£21,778 | -£44,554 |
| Year 3 | £44,660 | £9,346 | £56,063 | £0 | £0 | -£20,749 | -£65,303 |
| Year 4 | £45,999 | £9,627 | £56,063 | £0 | £0 | -£19,690 | -£84,993 |
| Year 5 | £47,379 | £9,916 | £56,063 | £0 | £0 | -£18,599 | -£103,592 |
Rent by the room upside
What we verified
6006
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▾
EPCEnergy efficiency ratingB
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£11,213
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£103,592
Acquisition costs
25% deposit£287,500
Stamp duty£116,250
Refurb£37,210
Legal + survey£3,700
Mortgage + broker£18,250
Cash needed£462,910
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
Situation
Granville Terrace enjoys a peaceful position towards the end of Granville Road, tucked away from passing traffic and offering a tranquil setting. The surrounding area provides an abundance of scenic countryside walks, while the renowned Hare & Hounds gastropub is just a short stroll away.
Regular bus services run along nearby Lansdown Road, providing convenient access to Bath city centre, while the M4 is easily reached.
The property is ideally situated for some o…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice