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Year 5 disposal
BMV -0%
⊞ View all 21
33/ 100
Weak
6.47% return before costs — verify the rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£86/mo — mildly negative — equity build may cover
- -0.9% 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
−£86/mo
You top up £86/mo
Price
£425K
Around comparable sold prices
Return · IRR
-0.9%/yr
Loses money over 5 years
Cash to get in
£168K
Deposit + fees + refurb
Return before costs on price 6.47%5-yr return on cash 3%Rent est. £2,292 (£2,199–£2,389)
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: £2,199–£2,389/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · £106,250
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 — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £318,750 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£86
after mortgage, operating costs & tax
Rent in£2,292/mo gross
£2,204/mo collected · £88/mo lost to voids
Where it goes
£1,727Mortgage£563Costs
Outgoings exceed rent — you top up £86/mo
Mortgage£1,727
Costs£563
Management£229
Maintenance£67
Insurance£40
CapEx reserve£115
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£86
Returns
Return before costs on price6.47%
Cash return on cash-0.62%
Gross margin£1,640
Cash needed£167,733
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.28
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 | £27,504 | £6,761 | £20,719 | £0 | £5 | £20 | £20 |
| Year 2 | £28,329 | £6,963 | £20,719 | £0 | £123 | £524 | £544 |
| Year 3 | £29,179 | £7,172 | £20,719 | £0 | £245 | £1,043 | £1,587 |
| Year 4 | £30,054 | £7,387 | £20,719 | £0 | £370 | £1,578 | £3,165 |
| Year 5 | £30,956 | £7,609 | £20,719 | £0 | £499 | £2,129 | £5,294 |
Disposal gain (gross)-£21,605
CGT£0
Net Disposal proceeds£457,503
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 cohortRH10 7DE · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Sussex · 27.9 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 · 1-bath · 1170 sqft
£28k–£55k
£ per sqft
building cost only
£24–£47
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- 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 history40d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£84,950 in 1997 → £425,000 asking
+400.3%in 29y
- 1997£84,950—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Rent it out wins — -£86/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 | 6.47% | -£86 | £167,733 | 3.2% | Low | Feasible |
| Housing-benefit rent | 4.93% | -£640 | £167,733 | -15.4% | Med | Feasible |
| Council lease | 4.93% | -£454 | £167,733 | -13.4% | Low | Feasible |
| Refurb & refinance | 6.47% | -£86 | £196,766 | 2.7% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£211 | £486,891 | 5% | Med | Feasible |
| Rent by the room | 8.41% | -£482 | £167,733 | -5.7% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Crawley & Reigate · cap £1,745/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Crawley & Reigate
- LHA monthly cap:
- £1,745
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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
-£644/mo cash flow vs Rent it out if converted to Rent by the room
6.78% Return before costs on price converted vs 6.47% as-is
🔓 +1 bedroom potential
medium confidence4 → 5 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)) in 75 m²; convert 1 spare room(s) to bedrooms, keeping one reception as the lounge → up to 5 lettable rooms (0 double, 1 single); sized to Crawley adopted standard (6.51/10.22 m²; Standards for Houses in Multiple Occupation, Crawley Borough Council (effective June 2019)); 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 → 5 bed HMO+1 single
HMO licence
Sized to Crawley'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.
As-is Rent it out
Monthly profit-£3
Return before costs on price6.47%
Cash needed£118,148
If converted to Rent by the room
Monthly profit-£647
Return before costs on price6.78%
Cash needed£134,148
Δ vs Rent it out Monthly profit-£644
Show conversion detail
Conversion cost estimate
£30,000
Range: £24,000 – £38,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£55,290–£103,780full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- 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
Comparables
sold within 0.5 miWide · CV 16.5%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
- GoodBrook Infant School and NurseryPrimary · Community school · RH10 7JE
- Not ratedMaidenbower Infant School and NurseryPrimary · Community school · RH10 7RA
- Not ratedMaidenbower Junior SchoolPrimary · Community school · RH10 7RA
- Not ratedPound Hill Infant AcademyPrimary · Academy converter · RH10 7EB
- Not ratedPound Hill Junior School, CrawleyPrimary · Community school · RH10 7EB
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£27,504
Section 24 credit£0
Annual tax due£5
Post-tax Monthly profit annual-£1,038
Exit costs
Projected sale price (5y · 2%/yr growth)£469,234
Capital gain (pre-CGT)£44,234
Sale costs (~2.5%)£11,731
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£5,294
Rates as of Oct 2024
Acquisition costs
£167,733cash neededPurchase price£425,000
Deposit (25%)£106,250
Stamp duty+5% additional-property surcharge£32,500
Refurb£19,458
Legal + survey£2,150
Mortgage fees£7,375
Total cash neededdeposit + costs (loan covers the rest)£167,733
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Nestled in the charming area of Spring Plat, Pound Hill, Crawley, this delightful semi-detached house offers a wonderful opportunity for families and individuals alike. With four spacious bedrooms, this property provides ample room for comfortable living. The two reception rooms are perfect for entertaining guests or enjoying quiet family evenings, creating a warm and inviting atmosphere.
One of the standout features of this home is its generous corner plot garden, which pre…
Floor plans
Nearby active comparables5 deals
Comparable rentals
RH10 · same beds + typeNo nearby rentals matched on postcode prefix + bedrooms + property type.
Listing metarightmove · Taylor Robinson
About this listing
40 days · RightmovePrice history
5-year price trend
Monthly profit
−£86
Cash needed
£168K
Return after costs
-0.62%
IRR
-0.88%
Listed 40d ago
Spring Plat, Pound Hill, Crawley
semi-detached · 4 bed · 1 bath
£425,000
est £2,292 · 6.47% gross
Priced below market
1 / 21
33/100
Marginal
6.47% — verify the rent + comps locally.
6.47% Return before costs — around the area average for this property type.
Monthly profit −£86/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£425K
at sold-comp median
Return before costs
6.47%
est rent £2,292/monot enough comparablesRange £2,199–£2,389/mo (Q1–Q3)
Bedrooms
4
1 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: £2,199–£2,389/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · £106,250
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 — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £318,750 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£86
after mortgage, operating costs & tax
Rent in£2,292/mo gross
£2,204/mo collected · £88/mo lost to voids
Where it goes
£1,727Mortgage£563Costs
Outgoings exceed rent — you top up £86/mo
Mortgage£1,727
Costs£563
Management£229
Maintenance£67
Insurance£40
CapEx reserve£115
Voids + council tax£8
Ltd co. accounts£104
Tax—
Shortfall−£86
Returns
Return before costs on price6.47%
Cash return on cash-0.62%
Gross margin£1,640
Cash needed£167,733
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.28
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Crawley & Reigate · cap £1,745/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Crawley & Reigate
- LHA monthly cap:
- £1,745
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £27,504 | £6,761 | £20,719 | £0 | £5 | £20 | £20 |
| Year 2 | £28,329 | £6,963 | £20,719 | £0 | £123 | £524 | £544 |
| Year 3 | £29,179 | £7,172 | £20,719 | £0 | £245 | £1,043 | £1,587 |
| Year 4 | £30,054 | £7,387 | £20,719 | £0 | £370 | £1,578 | £3,165 |
| Year 5 | £30,956 | £7,609 | £20,719 | £0 | £499 | £2,129 | £5,294 |
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 16.5%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£4,144
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£5,294
Acquisition costs
25% deposit£106,250
Stamp duty£32,500
Refurb£19,458
Legal + survey£2,150
Mortgage + broker£7,375
Cash needed£167,733
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
Nestled in the charming area of Spring Plat, Pound Hill, Crawley, this delightful semi-detached house offers a wonderful opportunity for families and individuals alike. With four spacious bedrooms, this property provides ample room for comfortable living. The two reception rooms are perfect for entertaining guests or enjoying quiet family evenings, creating a warm and inviting atmosphere.
One of the standout features of this home is its generous corner plot garden, which pre…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice