Skip to main contenthow this is calculated →
Year 5 disposal
BMV -7%
⊞ View all 14
76/ 100
Solid
Real 6.76% return before costs with manageable risks.
Why it works
- Priced below market -7% vs 12 nearby sold (last 12 mo) — instant equity
- EPC A — MEES compliant
Why to be cautious
- -0.4% 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
+£48/mo
Barely breaks even each month
Price vs market
Below market value
-7% vs 12 sold · interior unseen
Return · IRR
-0.4%/yr
Loses money over 5 years
Cash left in
£210K
Stays in after refinancing at value
Price £625KCash to buy £244KReturn before costs on price 6.76%5-yr return on cash 7%Rent est. £3,519 (£2,900–£4,270)
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: £2,900–£4,270/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · £156,250
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 (£16,690–£31,154 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £468,750 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
+£48
after mortgage, operating costs & tax
Rent in£3,519/mo gross
£3,384/mo collected · £135/mo lost to voids
Where it goes
£2,539Mortgage£785Costs
£48/mo left as profit · 1% of rent kept
Mortgage£2,539
Costs£785
Management£352
Maintenance£100
Insurance£40
CapEx reserve£176
Voids + council tax£13
Ltd co. accounts£104
Tax£11
Profit+£48
Returns
Return before costs on price6.76%
Cash return on cash0.24%
Gross margin£2,598
Cash needed£244,278
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.33
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 | £42,228 | £9,424 | £30,469 | £0 | £444 | £1,892 | £1,892 |
| Year 2 | £43,495 | £9,706 | £30,469 | £0 | £631 | £2,689 | £4,580 |
| Year 3 | £44,800 | £9,998 | £30,469 | £0 | £823 | £3,510 | £8,091 |
| Year 4 | £46,144 | £10,298 | £30,469 | £0 | £1,022 | £4,355 | £12,446 |
| Year 5 | £47,528 | £10,606 | £30,469 | £0 | £1,226 | £5,227 | £17,673 |
Disposal gain (gross)-£29,854
CGT£0
Net Disposal proceeds£672,799
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
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 ratingA
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand A
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 cohortCM3 8FG · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Queen Mary · 42.3 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 · 3-bath · 1625 sqft
£43k–£84k
£ per sqft
building cost only
£27–£52
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 3 × bathroom · Full strip + retile£9,975–£19,950
- Paint + decor£11,375–£21,125
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£17,875–£34,125
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 history57d on marketno cuts yet
Strategy matrix
Rent it out wins — +£48/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 | 6.76% | +£48 | £244,278 | 7.2% | Low | Feasible |
| Housing-benefit rent | 2.78% | -£1,721 | £244,278 | -38.1% | Med | Feasible |
| Council lease | 2.78% | -£1,410 | £244,278 | -32.9% | Low | Feasible |
| Refurb & refinance | 6.76% | +£48 | £284,429 | 6.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£244 | £711,554 | 5% | Med | Feasible |
| Rent by the room | 5.97% | -£2,471 | £278,278 | -47.6% | — | 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
-£1,600/mo cash flow vs Rent it out if converted to Rent by the room
4.61% Return before costs on price converted vs 6.76% as-is
🔓 +2 bedrooms potential
medium confidenceUnlocks ~£18,660/yr extra rent
4 → 6 lettable rooms
Potential, not guaranteed (subject to planning + regs). Estimate from the floorplan (kitchen size assumed) — verify room sizes against the floorplan before offering.
How we calculated this
floorplan shows 7 habitable rooms (4 beds + 3 reception(s)); convert 2 spare room(s) to bedrooms, keeping one reception as the lounge → up to 6 lettable rooms (1 double, 1 single); sized to Chelmsford adopted standard (6.51/10.22 m²; The Essex HMO Amenity Standards, Version 2 (26 Apr 2019, jointly adopted by Essex local authorities incl. Chelmsford City Council) + Chelmsford HMO licensing fee page); adds ~£1,555/mo; loft conversion may add 1-2 further rooms (subject to head height/planning — not counted); mandatory HMO licence (5+ persons, England)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
4 → 6 bed HMO+1 double, +1 single
HMO licence
Sized to Chelmsford's adopted HMO standards
Projections use documented assumptions (local room rates, typical conversion costs, 75% LTV at 5.5%, indicative regional valuation yields) and each council’s published HMO standards. Not financial advice. Verify room sizes, licensing and planning with the council and a surveyor before purchase.
Room mix (4 lettable rooms)
4× Double @ £778/mo
≈ £3,110/mo gross room income
As-is Rent it out
Monthly profit+£171
Return before costs on price6.76%
Cash needed£168,148
If converted to Rent by the room
Monthly profit-£1,429
Return before costs on price4.61%
Cash needed£184,148
Δ vs Rent it out Monthly profit-£1,600
+2 rooms (6 total)
Monthly profit+£169
Return before costs on price8.96%
Cash needed£204,148
Extra rent+£1,555/mo
Show conversion detail
Conversion cost estimate
£22,000
Range: £16,000 – £30,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£82,615–£154,255full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 3 × bathroom£17,100–£31,350
- Rewire£6,500–£11,375
- Replumb£4,875–£9,750
- Windows£16,250–£29,250
- Paint + decor£11,375–£21,125
- Flooring£17,875–£34,125
Based on 7 HMO comps within 3.9 km
Comparables
sold within 0.5 miWide · CV 42.6%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score70 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
- GoodRettendon Primary SchoolPrimary · Academy converter · CM3 8DW
- GoodSt Mary's Church of England Primary SchoolPrimary · Academy sponsor led · CM3 8RJ
- Not ratedEast Hanningfield Church of England Primary AcademyPrimary · Academy converter · CM3 8AE
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£42,228
Section 24 credit£0
Annual tax due£444
Post-tax Monthly profit annual£267
Exit costs
Projected sale price (5y · 2%/yr growth)£690,051
Capital gain (pre-CGT)£65,051
Sale costs (~2.5%)£17,251
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£17,673
Rates as of Oct 2024
Acquisition costs
£244,278cash neededPurchase price£625,000
Deposit (25%)£156,250
Stamp duty+5% additional-property surcharge£52,500
Refurb£22,253
Legal + survey£2,900
Mortgage fees£10,375
Total cash neededdeposit + costs (loan covers the rest)£244,278
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
A superb detached family home offering well laid out accommodation and excellent energy efficiency available for immediate occupation complete with carport and parking.
Description
Recently built and finished to an impressive specification, this attractive detached home offers well laid out accommodation perfectly suited to modern family life. Combining stylish interiors and energy-efficient technology with both solar panels and airsource heatpump delivering an A rated EPC…
Floor plans
Listing metarightmove · Savills New Homes
About this listing
57 days · RightmovePrice history
5-year price trend
Monthly profit
+£48
Cash needed
£244K
Return after costs
0.24%
IRR
-0.43%
Listed 57d ago
Windermere Way, Rettendon Common, Chelmsford, Essex, CM3
detached · 4 bed · 3 bath · 1,625 sqft
£625,000
est £3,519 · 6.76% gross
EPC A
Priced below market
1 / 14
76/100
Solid
Real 6.76% — fundamentals work.
Priced below market -7% vs 12 nearby sold (last 12 mo)
Price
£625K
7% below sold comps
Return before costs
6.76%
est rent £3,519/monot enough comparablesRange £2,900–£4,270/mo (Q1–Q3)
Bedrooms
4
3 bath
Energy rating
A
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: £2,900–£4,270/mo · n=9
Financing
DepositYour cash in — the rest is the mortgage25% · £156,250
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 (£16,690–£31,154 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £468,750 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
+£48
after mortgage, operating costs & tax
Rent in£3,519/mo gross
£3,384/mo collected · £135/mo lost to voids
Where it goes
£2,539Mortgage£785Costs
£48/mo left as profit · 1% of rent kept
Mortgage£2,539
Costs£785
Management£352
Maintenance£100
Insurance£40
CapEx reserve£176
Voids + council tax£13
Ltd co. accounts£104
Tax£11
Profit+£48
Returns
Return before costs on price6.76%
Cash return on cash0.24%
Gross margin£2,598
Cash needed£244,278
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.33
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 | £42,228 | £9,424 | £30,469 | £0 | £444 | £1,892 | £1,892 |
| Year 2 | £43,495 | £9,706 | £30,469 | £0 | £631 | £2,689 | £4,580 |
| Year 3 | £44,800 | £9,998 | £30,469 | £0 | £823 | £3,510 | £8,091 |
| Year 4 | £46,144 | £10,298 | £30,469 | £0 | £1,022 | £4,355 | £12,446 |
| Year 5 | £47,528 | £10,606 | £30,469 | £0 | £1,226 | £5,227 | £17,673 |
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 ratingA
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 42.6%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£6,094
Annual rental tax£135
CGT yr 5£0 · company level
5y net total£17,673
Acquisition costs
25% deposit£156,250
Stamp duty£52,500
Refurb£22,253
Legal + survey£2,900
Mortgage + broker£10,375
Cash needed£244,278
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
A superb detached family home offering well laid out accommodation and excellent energy efficiency available for immediate occupation complete with carport and parking.
Description
Recently built and finished to an impressive specification, this attractive detached home offers well laid out accommodation perfectly suited to modern family life. Combining stylish interiors and energy-efficient technology with both solar panels and airsource heatpump delivering an A rated EPC…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice