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Year 5 disposal
BMV -69%
⊞ View all 19
0/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Priced below market -69% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Monthly profit −£795/mo — heavily negative — needs monthly capital injection
- -17.4% 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.
- 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
−£795/mo
You top up £795/mo
Price vs market
Below market value
-69% vs 12 sold · interior unseen
Return · IRR
-17.4%/yr
Loses money over 5 years
Cash left in
£0
Fully recycled — pull all your cash back out
Price £139KCash to buy £58K5-yr return on cash -84%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £34,750
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £104,250 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£795
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£565Mortgage£230Costs
Outgoings exceed rent — you top up £795/mo
Mortgage£565
Costs£230
Maintenance£100
Insurance£20
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£795
Returns
Return before costs on price0.00%
Cash return on cash-16.58%
Gross margin-£230
Cash needed£57,529
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
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 | £0 | £2,761 | £6,776 | £0 | £0 | -£9,537 | -£9,537 |
| Year 2 | £0 | £2,844 | £6,776 | £0 | £0 | -£9,620 | -£19,157 |
| Year 3 | £0 | £2,929 | £6,776 | £0 | £0 | -£9,705 | -£28,863 |
| Year 4 | £0 | £3,017 | £6,776 | £0 | £0 | -£9,793 | -£38,656 |
| Year 5 | £0 | £3,108 | £6,776 | £0 | £0 | -£9,884 | -£48,540 |
Disposal gain (gross)-£9,063
CGT£0
Net Disposal proceeds£149,631
What we verified
What we verified
41064 ok · 1 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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 profileMixed demand
Tenant profilelikely cohortTA3 5HT · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Exeter · 45.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
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
2-bed · 1-bath · 810 sqft
£22k–£43k
£ per sqft
building cost only
£27–£53
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£5,670–£10,530
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history53d on marketno cuts yet
Strategy matrix
Housing-benefit rent wins — -£256/mo · £533/mo ahead of Council lease
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 0.00% | -£795 | £57,529 | -84.4% | Low | Feasible |
| ⭐ Housing-benefit rent | 6.24% | -£256 | £57,529 | -18.6% | Med | Feasible |
| Council lease | 0.00% | -£789 | £57,529 | -83.7% | Low | Feasible |
| Refurb & refinance | 0.00% | -£795 | £68,785 | -70.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£224 | £163,000 | 3% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Taunton & West Somerset · cap £723/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Taunton & West Somerset
- LHA monthly cap:
- £723
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
+£1,126/mo cash flow vs Rent it out if converted to Rent by the room
20.72% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£746
Return before costs on price0.00%
Cash needed£46,648
If converted to Rent by the room
Monthly profit+£380
Return before costs on price20.72%
Cash needed£62,648
Δ vs Rent it out Monthly profit+£1,126
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
£52,800
Range: £45,600 – £62,400
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£43,699–£83,400full refurb + room split
⚠️ Capped at 60% of £139,000 asking (£83,400). Raw model: £51,090–£97,505. Verify with a surveyor before offering.
What's in this cost
- Kitchen£8,160–£16,320
- 1 × bathroom£5,517–£10,114
- Rewire£3,079–£6,158
- Replumb£2,309–£5,389
- Windows£7,698–£14,626
- Paint + decor£6,928–£12,317
- Flooring£10,007–£18,475
Comparables
sold within 0.5 miWide · CV 41.7%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
- GoodCreech St Michael Church of England Primary SchoolPrimary · Voluntary controlled school · TA3 5QQ
- GoodRuishton Church of England SchoolPrimary · Academy converter · TA3 5JZ
- Not ratedCambian Somerset SchoolNot applicable · Other independent special school · TA3 5PX
- Not ratedSomerset Progressive SchoolNot applicable · Other independent special school · TA3 5RH
- Not ratedThurlbear Church of England Primary SchoolPrimary · Voluntary aided school · TA3 5BW
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£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£9,537
Exit costs
Projected sale price (5y · 2%/yr growth)£153,467
Capital gain (pre-CGT)£14,467
Sale costs (~2.5%)£3,837
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-£48,540
Rates as of Oct 2024
Acquisition costs
£57,529cash neededPurchase price£139,000
Deposit (25%)£34,750
Stamp duty+5% additional-property surcharge£7,230
Refurb£10,764
Legal + survey£1,700
Mortgage fees£3,085
Total cash neededdeposit + costs (loan covers the rest)£57,529
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
SUMMARY Fox and Sons are delighted to bring to the market this two-bedroom Park Home situated within Henlade, Taunton. The property benefits from an allocated parking space and integrated kitchen appliances.
DESCRIPTION Fox and Sons are delighted to offer this well-presented Detached Park Home to the market. With open plan living, a well-equipped kitchen, two bedrooms with built in wardrobes, modern bathroom, gardens and allocated parking. The property sits cradled between t…
Floor plans
Listing metarightmove · Fox & Sons
About this listing
53 days · RightmovePrice history
5-year price trend
Monthly profit
−£795
Cash needed
£58K
Return after costs
-16.58%
IRR
-17.38%
Listed 53d ago
Ivy House Park, Henlade, Taunton
detached · 2 bed · 1 bath
£139,000
Priced below market
1 / 19
0/100
Marginal
No rent data — verify locally before offering.
Priced below market -69% vs 12 nearby sold (last 12 mo)
Price
£139K
69% below sold comps
Return before costs
—
rent unknown
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Park home
Not mortgageable; depreciating asset
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £34,750
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £104,250 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£795
after mortgage, operating costs & tax
Rent in£0/mo
Where it goes
£565Mortgage£230Costs
Outgoings exceed rent — you top up £795/mo
Mortgage£565
Costs£230
Maintenance£100
Insurance£20
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£795
Returns
Return before costs on price0.00%
Cash return on cash-16.58%
Gross margin-£230
Cash needed£57,529
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.00
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Taunton & West Somerset · cap £723/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Taunton & West Somerset
- LHA monthly cap:
- £723
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 | £0 | £2,761 | £6,776 | £0 | £0 | -£9,537 | -£9,537 |
| Year 2 | £0 | £2,844 | £6,776 | £0 | £0 | -£9,620 | -£19,157 |
| Year 3 | £0 | £2,929 | £6,776 | £0 | £0 | -£9,705 | -£28,863 |
| Year 4 | £0 | £3,017 | £6,776 | £0 | £0 | -£9,793 | -£38,656 |
| Year 5 | £0 | £3,108 | £6,776 | £0 | £0 | -£9,884 | -£48,540 |
Rent by the room upside
What we verified
3207
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miWide · CV 41.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,355
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£48,540
Acquisition costs
25% deposit£34,750
Stamp duty£7,230
Refurb£10,764
Legal + survey£1,700
Mortgage + broker£3,085
Cash needed£57,529
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 Fox and Sons are delighted to bring to the market this two-bedroom Park Home situated within Henlade, Taunton. The property benefits from an allocated parking space and integrated kitchen appliances.
DESCRIPTION Fox and Sons are delighted to offer this well-presented Detached Park Home to the market. With open plan living, a well-equipped kitchen, two bedrooms with built in wardrobes, modern bathroom, gardens and allocated parking. The property sits cradled between t…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice