Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£20/mo
Barely breaks even each month
Price
£160K
No local sold comps to compare
Return · IRR
0.8%/yr
Modest annualised return
Cash to get in
£79K
Deposit + fees + refurb
Return before costson price8.06%5-yr return on cash 7%Rent est. £1,075 (£913–£1,266)
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: £913–£1,266/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · £40,000
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 (£18,553–£34,632 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £120,000 loan + £1,000 booking fee
Cladding safety certificateNot stated on the listingHeritageNot 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.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£72,699–£138,789
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history67d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£20/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
8.06%
+£20
£78,537
6.9%
Low
Feasible
Housing-benefit rent
5.87%
-£263
£78,537
-13.4%
Med
Feasible
Council lease
0.00%
-£841
£78,537
-65.2%
Low
Feasible
Refurb & refinance
8.06%
+£20
£96,432
5.6%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£191
£205,032
-5%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £783/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Swindon
LHA monthly cap:
£783
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 impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£278/mo cash flow vs Rent it out if converted to Rent by the room
18.00% Return before costs on price converted vs 8.06% as-is
As-is Rent it out
Monthly profit+£36
Return before costson price8.06%
Cash needed£51,898
If converted to Rent by the room
Monthly profit+£314
Return before costson price18.00%
Cash needed£67,898
Δ vs Rent it outMonthly profit+£278
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£51,568–£96,000full refurb + room split
⚠️ Capped at 60% of £160,000 asking (£96,000). Raw model: £245,655–£457,315. Verify with a surveyor before offering.
What's in this cost
Kitchen£1,814–£3,627
1 × bathroom£1,197–£2,194
Rewire£5,549–£9,712
Replumb£4,162–£8,324
Windows£13,874–£24,973
Paint + decor£9,712–£18,036
Flooring£15,261–£29,135
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & area intelligence
Transport 70 / 100
Loading map…
Transport score70 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
Broad Hinton Church of England Primary School
Primary · Voluntary controlled school · SN4 9PQ
Good
Wroughton Infant School
Primary · Academy converter · SN4 9LE
Good
The Ridgeway School & Sixth Form College
Secondary · Academy converter · SN4 9DJ
Good
Wroughton Junior School
Primary · Academy converter · SN4 9DL
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£151/yr kept
Annual gross rent£12,900
Section 24 credit£0
Annual tax due£152
Post-tax Monthly profitannual£151
Exit costs
£5,392 after CGT
Projected sale price (5y · 2%/yr growth)£176,653
Capital gain (pre-CGT)£16,653
Sale costs (~2.5%)£4,416
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 profitafter CGT£5,392
Rates as of Oct 2024
Acquisition costs
£78,537cash needed
Purchase price£160,000
Deposit (25%)£40,000
Stamp duty+5% additional-property surcharge£8,700
Refurb£24,737
Legal + survey£1,700
Mortgage fees£3,400
Total cash neededdeposit + costs (loan covers the rest)£78,537
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Description
Charming Two-Bedroom Bungalow in Sought-After Winterborne Monkton
Situated in the highly desirable village of Winterborne Monkton, this unmodernised two-bedroom mid terrace bungalow presents an excellent opportunity for purchasers seeking a property to renovate and personalise to their own tastes and requirements.
Occupying a generous plot, the property offers well-proportioned accommodation including a welcoming entrance hall, spacious sitting room, kitchen, tw…
The Beeches, Winterbourne Monkton, Swindon, Wiltshire, SN4
bungalow · 2 bed · 1 bath · 6,609 sqft
£160,000
est £1,075 · 8.06% gross
1 / 15
70/100
Solid
8.06% — verify the rent + comps locally.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.06% Return before costs — above-market
Price
£160K
Return before costs
8.06%
est rent £1,075/monot enough comparablesRange £913–£1,266/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
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: £913–£1,266/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · £40,000
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 (£18,553–£34,632 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £120,000 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Swindon · cap £783/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Swindon
LHA monthly cap:
£783
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
£12,900
£4,301
£7,800
£0
£152
£648
£648
Year 2
£13,287
£4,430
£7,800
£0
£201
£856
£1,504
Year 3
£13,686
£4,562
£7,800
£0
£251
£1,072
£2,576
Year 4
£14,096
£4,699
£7,800
£0
£303
£1,294
£3,870
Year 5
£14,519
£4,840
£7,800
£0
£357
£1,522
£5,392
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
12 total
3207
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
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
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 70/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,560
Annual rental tax£58
CGT yr 5£0 · company level
5y net total£5,392
Acquisition costs
£79K
25% deposit£40,000
Stamp duty£8,700
Refurb£24,737
Legal + survey£1,700
Mortgage + broker£3,400
Cash needed£78,537
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
Description
Charming Two-Bedroom Bungalow in Sought-After Winterborne Monkton
Situated in the highly desirable village of Winterborne Monkton, this unmodernised two-bedroom mid terrace bungalow presents an excellent opportunity for purchasers seeking a property to renovate and personalise to their own tastes and requirements.
Occupying a generous plot, the property offers well-proportioned accommodation including a welcoming entrance hall, spacious sitting room, kitchen, tw…