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Year 5 disposal
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Weak
4.14% Rent by the room return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- 3.20% return — below most lender Rent-covers-mortgage checks
- Monthly profit −£1,822/mo — heavily negative — needs monthly capital injection
- -8.4% 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 vs market
Above comparable sales
+15% vs 12 sold
Return · IRR
-8.4%/yr
Loses money over 5 years
Cash to get in
£314K
Deposit + fees + refurb
Price £825KReturn before costs on price · Rent by the room 4.14%5-yr return on cash -31%Rent est. £2,202 (£1,913–£2,535)
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: £1,913–£2,535/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £206,250
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £618,750 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£1,822
after mortgage, operating costs & tax
Rent in£2,202/mo gross
£2,117/mo collected · £85/mo lost to voids
Where it goes
£3,352Mortgage
Outgoings exceed rent — you top up £1,822/mo
Mortgage£3,352
Costs£588
Management£220
Maintenance£100
Insurance£40
CapEx reserve£110
Voids + council tax£13
Ltd co. accounts£104
Tax—
Shortfall−£1,822
Returns
Return before costs on price3.20%
Cash return on cash-6.95%
Gross margin£1,530
Cash needed£314,483
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.63
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 | £26,424 | £7,053 | £40,219 | £0 | £0 | -£20,848 | -£20,848 |
| Year 2 | £27,217 | £7,265 | £40,219 | £0 | £0 | -£20,267 | -£41,115 |
| Year 3 | £28,033 | £7,483 | £40,219 | £0 | £0 | -£19,668 | -£60,783 |
| Year 4 | £28,874 | £7,707 | £40,219 | £0 | £0 | -£19,052 | -£79,834 |
| Year 5 | £29,740 | £7,938 | £40,219 | £0 | £0 | -£18,417 | -£98,251 |
Disposal gain (gross)-£31,763
CGT£0
Net Disposal proceeds£888,095
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 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 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
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 cohortCM2 8QN · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Queen Mary · 40 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 · 1170 sqft
£32k–£62k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£8,190–£15,210
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£12,870–£24,570
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 history68d on marketno cuts yet
Strategy matrix
Rent it out wins — -£1,822/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 | 3.20% | -£1,822 | £314,483 | -31.2% | Low | Feasible |
| Housing-benefit rent | 2.10% | -£2,533 | £314,483 | -45.1% | Med | Feasible |
| Council lease | 2.10% | -£2,222 | £314,483 | -41.1% | Low | Feasible |
| Refurb & refinance | 3.20% | -£1,822 | £363,516 | -27.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£244 | £927,641 | 6% | Med | Feasible |
| Rent by the room | 4.14% | -£3,391 | £348,483 | -54.3% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Chelmsford · cap £1,446/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Chelmsford
- LHA monthly cap:
- £1,446
- 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
Rent by the room conversion upside
-£571/mo cash flow vs Rent it out if converted to Rent by the room
3.49% Return before costs on price converted vs 3.20% as-is
Room mix (4 lettable rooms)
2× Double @ £734/mo1× Single @ £577/mo1× En-suite @ £800/mo
≈ £2,846/mo gross room income
As-is Rent it out
Monthly profit-£1,639
Return before costs on price3.20%
Cash needed£218,148
If converted to Rent by the room
Monthly profit-£2,210
Return before costs on price3.49%
Cash needed£234,148
Δ vs Rent it out Monthly profit-£571
Show conversion detail
Conversion cost estimate
£26,000
Range: £20,000 – £34,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£60,990–£114,230full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£4,680–£8,190
- Replumb£3,510–£7,020
- Windows£11,700–£21,060
- Paint + decor£8,190–£15,210
- Flooring£12,870–£24,570
Based on 374 HMO comps within 4.3 km
Comparables
sold within 0.5 miWide · CV 36.4%Med confidence
Loading 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
- GoodGalleywood Infant SchoolPrimary · Community school · CM2 8RR
- Not ratedThriftwood SchoolNot applicable · Academy special converter · CM2 8RW
- Not ratedMildmay Primary SchoolPrimary · Academy converter · CM2 8AU
- Not ratedSt Michael's Church of England Voluntary Aided Junior SchoolPrimary · Voluntary aided school · CM2 8RR
- Not ratedSt Peter's Church of England Primary Academy, West HanningfieldPrimary · Academy converter · CM2 8UQ
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£26,424
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£21,864
Exit costs
Projected sale price (5y · 2%/yr growth)£910,867
Capital gain (pre-CGT)£85,867
Sale costs (~2.5%)£22,772
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-£98,251
Rates as of Oct 2024
Acquisition costs
£314,483cash neededPurchase price£825,000
Deposit (25%)£206,250
Stamp duty+5% additional-property surcharge£72,500
Refurb£19,458
Legal + survey£2,900
Mortgage fees£13,375
Total cash neededdeposit + costs (loan covers the rest)£314,483
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
SUMMARY Situated in the highly desired area of Galleywood is this amazing four bedroom detached family home. The property is being offered with NO ONWARD CHAIN and offers fantastic potential for further improvement whilst already benefiting from a double garage, driveway and substantial plot.
DESCRIPTION Galleywood is a lovely village that offers beautiful walks, pubs, a Church and is surrounded by masses of stunning countryside. The village also includes one of Chelmsford's…
Floor plans
Listing metarightmove · William H. Brown
About this listing
68 days · RightmovePrice history
5-year price trend
Monthly profit
−£1,822
Cash needed
£314K
Return after costs
-6.95%
IRR
-8.35%
Listed 68d ago
The Street, Galleywood, Chelmsford
detached · 4 bed · 2 bath
£825,000
est £2,202 · 3.20% gross
1 / 27
0/100
Marginal
4.14% Rent by the room strategy — market rent unverified, verify locally.
3.20% Return before costs — around the area average for this property type.
Monthly profit −£1,822/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£825K
15% above sold comps
Return before costs (best)
4.14%
Rent by the room
Bedrooms
4
2 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 (£)
Local comp range: £1,913–£2,535/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · £206,250
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £618,750 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£1,822
after mortgage, operating costs & tax
Rent in£2,202/mo gross
£2,117/mo collected · £85/mo lost to voids
Where it goes
£3,352Mortgage
Outgoings exceed rent — you top up £1,822/mo
Mortgage£3,352
Costs£588
Management£220
Maintenance£100
Insurance£40
CapEx reserve£110
Voids + council tax£13
Ltd co. accounts£104
Tax—
Shortfall−£1,822
Returns
Return before costs on price3.20%
Cash return on cash-6.95%
Gross margin£1,530
Cash needed£314,483
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.63
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Chelmsford · cap £1,446/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Chelmsford
- LHA monthly cap:
- £1,446
- 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 | £26,424 | £7,053 | £40,219 | £0 | £0 | -£20,848 | -£20,848 |
| Year 2 | £27,217 | £7,265 | £40,219 | £0 | £0 | -£20,267 | -£41,115 |
| Year 3 | £28,033 | £7,483 | £40,219 | £0 | £0 | -£19,668 | -£60,783 |
| Year 4 | £28,874 | £7,707 | £40,219 | £0 | £0 | -£19,052 | -£79,834 |
| Year 5 | £29,740 | £7,938 | £40,219 | £0 | £0 | -£18,417 | -£98,251 |
Rent by the room upside
What we verified
5007
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▾
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
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 miWide · CV 36.4%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£8,044
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£98,251
Acquisition costs
25% deposit£206,250
Stamp duty£72,500
Refurb£19,458
Legal + survey£2,900
Mortgage + broker£13,375
Cash needed£314,483
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
SUMMARY Situated in the highly desired area of Galleywood is this amazing four bedroom detached family home. The property is being offered with NO ONWARD CHAIN and offers fantastic potential for further improvement whilst already benefiting from a double garage, driveway and substantial plot.
DESCRIPTION Galleywood is a lovely village that offers beautiful walks, pubs, a Church and is surrounded by masses of stunning countryside. The village also includes one of Chelmsford's…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice