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Year 5 disposal
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100/ 100
Strong
14.39% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£209/mo from completion — the no.1 reason to invest
- 11.00% return before costs — above-market
- 14.4% Rent by the room return before costs (net 7.31% after CapEx + bills) — conversion play
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- Auction lot — bridging-only finance, 28-day completion
- 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
+£209/mo
Pays you every month, net of costs
Price
£130K
No local sold comps to compare
Return · IRR
4.7%/yr
Modest annualised return
Cash to get in
£61K
Deposit + fees + refurb
Return before costs on price · Rent by the room 14.39%5-yr return on cash 28%Rent est. £1,192 (£1,161–£1,224)
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: £1,161–£1,224/mo · n=64
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£13,223–£24,682 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £97,500 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
+£209
after mortgage, operating costs & tax
Rent in£1,192/mo gross
£1,146/mo collected · £46/mo lost to voids
Where it goes
£528Mortgage£360Costs£209Your profit
£209/mo left as profit · 18% of rent kept
Mortgage£528
Costs£360
Management£119
Maintenance£50
Insurance£20
CapEx reserve£60
Voids + council tax£7
Ltd co. accounts£104
Tax£49
Profit+£209
Returns
Return before costs on price11.00%
Cash return on cash4.09%
Gross margin£786
Cash needed£61,380
Monthly profit payback24y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.17
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 | £14,304 | £4,317 | £6,338 | £0 | £693 | £2,956 | £2,956 |
| Year 2 | £14,733 | £4,447 | £6,338 | £0 | £750 | £3,199 | £6,155 |
| Year 3 | £15,175 | £4,580 | £6,338 | £0 | £809 | £3,449 | £9,604 |
| Year 4 | £15,630 | £4,717 | £6,338 | £0 | £869 | £3,706 | £13,310 |
| Year 5 | £16,099 | £4,859 | £6,338 | £0 | £932 | £3,971 | £17,281 |
Disposal gain (gross)-£15,988
CGT£0
Net Disposal proceeds£139,942
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
⚠️ Selective Licensing in scope
Additional HMO — city-wide
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 cohortCV2 2AL · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Birmingham City · 29.8 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 history72d on market1 price change
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£118,000 in 2012 → £130,000 asking
+10.2%in 14y
- 2012£118,000+96.7% in 10y
- 2002£60,000—
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 — +£252/mo · £43/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 | 11.00% | +£209 | £61,380 | 28.2% | Low | Feasible |
| Housing-benefit rent | 7.14% | -£134 | £61,380 | -4.5% | Med | Feasible |
| ⭐ Council lease | 11.00% | +£252 | £61,380 | 28.7% | Low | Feasible |
| Refurb & refinance | 11.00% | +£209 | £74,932 | 23.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £162,982 | -3% | Med | Feasible |
| Rent by the room | 14.39% | -£662 | £87,380 | -37.2% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Coventry · cap £773/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Coventry
- LHA monthly cap:
- £773
- Scheme type:
- nominee
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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
+£201/mo cash flow vs Rent it out if converted to Rent by the room
22.15% Return before costs on price converted vs 11.00% as-is
Room mix (3 lettable rooms)
1× Double @ £547/mo1× Single @ £469/mo1× En-suite @ £544/mo
≈ £1,559/mo gross room income
As-is Rent it out
Monthly profit+£208
Return before costs on price11.00%
Cash needed£44,398
If converted to Rent by the room
Monthly profit+£409
Return before costs on price22.15%
Cash needed£60,398
Δ vs Rent it out Monthly profit+£201
Show conversion detail
Conversion cost estimate
£52,800
Range: £46,200 – £61,600
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£41,411–£78,000full refurb + room split
⚠️ Capped at 60% of £130,000 asking (£78,000). Raw model: £56,030–£105,535. Verify with a surveyor before offering.
What's in this cost
- Kitchen£6,785–£13,570
- 1 × bathroom£4,545–£8,333
- Rewire£3,252–£5,691
- Replumb£2,439–£4,878
- Windows£8,130–£14,634
- Paint + decor£6,504–£12,195
- Flooring£9,756–£18,699
Based on 2990 HMO comps within 1.9 km
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 & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodSeva SchoolAll-through · Free schools · CV2 2TB
- GoodPearl Hyde Community Primary SchoolPrimary · Academy converter · CV2 2NB
- GoodWalsgrave Church of England AcademyPrimary · Academy converter · CV2 2BA
- Requires improvementPotters Green Primary SchoolPrimary · Academy converter · CV2 2GF
- Not ratedWhittle AcademyPrimary · Academy sponsor led · CV2 2LH
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£14,304
Section 24 credit£0
Annual tax due£693
Post-tax Monthly profit annual£2,406
Exit costs
Projected sale price (5y · 2%/yr growth)£143,531
Capital gain (pre-CGT)£13,531
Sale costs (~2.5%)£3,588
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£17,281
Rates as of Oct 2024
Acquisition costs
£61,380cash neededPurchase price£130,000
Deposit (25%)£32,500
Stamp duty+5% additional-property surcharge£6,600
Refurb£17,630
Legal + survey£1,700
Mortgage fees£2,950
Total cash neededdeposit + costs (loan covers the rest)£61,380
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
SOLD AT AUCTION - £146,500
To be sold via unconditional TIMED ONLINE AUCTION on Tuesday 10th August 2026 (Visit auctionhouse.co.uk/online).
BIDDING OPENS: 13:00 on Monday 10th August 2026 AUCTION ENDS: 11:00 on Tuesday 11th August 2026
GUIDE PRICE: £130,000 - £150,000
SOLD AT AUCTION - £146,500
Tenanted investment opportunity. 3 bedroom end terraced property, well presented, with a through lounge diner. Located in a popular location off Woodway Lane approximately 1.5…
Floor plans
Listing metarightmove · Loveitts
About this listing
72 days · RightmovePrice history
5-year price trend
Monthly profit
+£209
Cash needed
£61K
Return after costs
4.09%
IRR
4.72%
Listed 72d ago
58, POTTERS GREEN ROAD, COVENTRY, CV2 2AL
✓ Verified address
terraced · 3 bed · 1 bath
£130,000
est £1,192 · 11.00% gross
EPC D
1 / 10
100/100
Strong
14.39% Rent by the room strategy — market rent unverified, verify locally.
Monthly profit +£209/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
11.00% Return before costs — above-market
14.4% Rent by the room Return before costs — conversion play
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£130K
Return before costs (best)
14.39%
Rent by the room
Bedrooms
3
1 bath
Energy rating
D
Energy rating
Deal flags2 issues
Auction
Guide price — assume +20-30% in the room
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: £1,161–£1,224/mo · n=64
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£13,223–£24,682 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £97,500 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
+£209
after mortgage, operating costs & tax
Rent in£1,192/mo gross
£1,146/mo collected · £46/mo lost to voids
Where it goes
£528Mortgage£360Costs£209Your profit
£209/mo left as profit · 18% of rent kept
Mortgage£528
Costs£360
Management£119
Maintenance£50
Insurance£20
CapEx reserve£60
Voids + council tax£7
Ltd co. accounts£104
Tax£49
Profit+£209
Returns
Return before costs on price11.00%
Cash return on cash4.09%
Gross margin£786
Cash needed£61,380
Monthly profit payback24y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.17
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Coventry · cap £773/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Coventry
- LHA monthly cap:
- £773
- Scheme type:
- nominee
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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 | £14,304 | £4,317 | £6,338 | £0 | £693 | £2,956 | £2,956 |
| Year 2 | £14,733 | £4,447 | £6,338 | £0 | £750 | £3,199 | £6,155 |
| Year 3 | £15,175 | £4,580 | £6,338 | £0 | £809 | £3,449 | £9,604 |
| Year 4 | £15,630 | £4,717 | £6,338 | £0 | £869 | £3,706 | £13,310 |
| Year 5 | £16,099 | £4,859 | £6,338 | £0 | £932 | £3,971 | £17,281 |
Rent by the room upside
What we verified
6206
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
TenantMonthly profit from day oneIn situ
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,268
Annual rental tax£589
CGT yr 5£0 · company level
5y net total£17,281
Acquisition costs
25% deposit£32,500
Stamp duty£6,600
Refurb£17,630
Legal + survey£1,700
Mortgage + broker£2,950
Cash needed£61,380
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
SOLD AT AUCTION - £146,500
To be sold via unconditional TIMED ONLINE AUCTION on Tuesday 10th August 2026 (Visit auctionhouse.co.uk/online).
BIDDING OPENS: 13:00 on Monday 10th August 2026 AUCTION ENDS: 11:00 on Tuesday 11th August 2026
GUIDE PRICE: £130,000 - £150,000
SOLD AT AUCTION - £146,500
Tenanted investment opportunity. 3 bedroom end terraced property, well presented, with a through lounge diner. Located in a popular location off Woodway Lane approximately 1.5…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice