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Year 5 disposal
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26/ 100
Weak
6.57% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- Monthly profit −£133/mo — mildly negative — equity build may cover
- -1.9% 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
−£133/mo
You top up £133/mo
Price
£230K
No local sold comps to compare
Return · IRR
-1.9%/yr
Loses money over 5 years
Cash to get in
£79K
Deposit + fees + refurb
Return before costs on price 6.57%5-yr return on cash -3%Rent est. £1,260 (£1,188–£1,336)
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: £1,188–£1,336/mo · n=34
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£133
after mortgage, operating costs & tax
Rent in£1,260/mo gross
£1,212/mo collected · £48/mo lost to voids
Where it goes
£934Mortgage£410Costs
Outgoings exceed rent — you top up £133/mo
Mortgage£934
Costs£410
Management£126
Maintenance£67
Insurance£28
CapEx reserve£63
Voids + council tax£7
Ltd co. accounts£104
Selective licensing£15
Tax—
Shortfall−£133
Returns
Return before costs on price6.57%
Cash return on cash-2.03%
Gross margin£801
Cash needed£78,600
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.30
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 | £15,120 | £4,923 | £11,213 | £0 | £0 | -£1,015 | -£1,015 |
| Year 2 | £15,574 | £5,071 | £11,213 | £0 | £0 | -£710 | -£1,725 |
| Year 3 | £16,041 | £5,223 | £11,213 | £0 | £0 | -£395 | -£2,120 |
| Year 4 | £16,522 | £5,379 | £11,213 | £0 | £0 | -£70 | -£2,190 |
| Year 5 | £17,018 | £5,541 | £11,213 | £0 | £50 | £214 | -£1,975 |
Disposal gain (gross)£940
CGT£179
Net Disposal proceeds£247,411
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
⚠️ Selective Licensing in scope
Selective scheme — designated PRS areas
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 cohortPE2 8FX · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Cambridge · 43.9 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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
3-bed · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
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 history26d on market1 price change
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£230,000 in 2024 → £230,000 asking
0.0%in 2y
- 2024£230,000+24.3% in 7y
- 2017£184,995—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Council lease wins — +£39/mo · £157/mo ahead of Refurb & refinance
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 6.57% | -£133 | £78,600 | -2.5% | Low | Feasible |
| Housing-benefit rent | 4.22% | -£549 | £78,600 | -35.1% | Med | Feasible |
| ⭐ Council lease | 6.57% | +£39 | £78,600 | 6.8% | Low | Feasible |
| Refurb & refinance | 6.57% | -£118 | £90,640 | -1.2% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £247,190 | 10% | Med | Feasible |
| Rent by the room | 9.39% | -£330 | £78,600 | -11.0% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
- Scheme type:
- PSL
- Premium:
- +900% premium over LHA cap
- Typical lease:
- 0 years lease
- 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
+£171/mo cash flow vs Rent it out if converted to Rent by the room
12.52% Return before costs on price converted vs 6.57% as-is
🔓 +1 bedroom potential
medium confidence3 → 4 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 5 habitable rooms (3 beds + 2 reception(s)) in 80 m²; convert 1 spare room(s) to bedrooms, keeping one reception as the lounge → up to 4 lettable rooms (1 double, 0 single); sized to Peterborough adopted standard (6.51/10.22 m²; Peterborough CC HMO standards and regulations (updated Feb 2026)); loft conversion may add 1-2 further rooms (subject to head height/planning — not counted)
🔒 Room-add markup · Pro
Pro members see the floorplan with every convertible room outlined in green. Verify room sizes before offering.
3 → 4 bed HMO
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-£79
Return before costs on price6.57%
Cash needed£69,398
If converted to Rent by the room
Monthly profit+£93
Return before costs on price12.52%
Cash needed£85,398
Δ vs Rent it out Monthly profit+£171
Show conversion detail
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£54,690–£102,530full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodOakdale Primary SchoolPrimary · Community school · PE2 8TD
- Requires improvementSaint Michael CofE Primary SchoolPrimary · Academy sponsor led · PE2 8SZ
- Not ratedHeritage Park Primary SchoolPrimary · Community school · PE2 8XA
- Not ratedSouthfields Primary SchoolPrimary · Community school · PE2 8PU
- Not ratedStanground St Johns CofE Primary SchoolPrimary · Academy sponsor led · PE2 8JG
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£15,120
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£1,597
Exit costs
Projected sale price (5y · 2%/yr growth)£253,939
Capital gain (pre-CGT)£23,939
Sale costs (~2.5%)£6,348
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-£1,975
Rates as of Oct 2024
Acquisition costs
£78,600cash neededPurchase price£230,000
Deposit (25%)£57,500
Stamp duty+5% additional-property surcharge£13,600
Refurb£1,350
Legal + survey£1,700
Mortgage fees£4,450
Total cash neededdeposit + costs (loan covers the rest)£78,600
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
SUMMARY Guide Price £230,000 - £240,000 This beautifully presented three-bedroom semi-detached home offers stylish and versatile living accommodation throughout, making it an ideal choice for families and professionals alike.
DESCRIPTION The property has been maintained to an exceptional standard by the current owners and boasts a modern kitchen, spacious lounge, and a bright dining area with access to the rear garden. Upstairs, there are three well-proportioned bedrooms, in…
Floor plans
Listing metarightmove · Sharman Quinney
About this listing
26 days · RightmovePrice history
5-year price trend
Monthly profit
−£133
Cash needed
£79K
Return after costs
-2.03%
IRR
-1.86%
Listed 26d ago
Linus Grove, Peterborough
semi-detached · 3 bed · 2 bath
£230,000
est £1,260 · 6.57% gross
1 / 12
26/100
Marginal
6.57% — verify the rent + comps locally.
6.57% Return before costs — around the area average for this property type.
Monthly profit −£133/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£230K
Return before costs
6.57%
est rent £1,260/monot enough comparablesRange £1,188–£1,336/mo (Q1–Q3)
Bedrooms
3
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: £1,188–£1,336/mo · n=34
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 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 £200K–£400K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£133
after mortgage, operating costs & tax
Rent in£1,260/mo gross
£1,212/mo collected · £48/mo lost to voids
Where it goes
£934Mortgage£410Costs
Outgoings exceed rent — you top up £133/mo
Mortgage£934
Costs£410
Management£126
Maintenance£67
Insurance£28
CapEx reserve£63
Voids + council tax£7
Ltd co. accounts£104
Selective licensing£15
Tax—
Shortfall−£133
Returns
Return before costs on price6.57%
Cash return on cash-2.03%
Gross margin£801
Cash needed£78,600
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.30
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Peterborough · cap £808/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Peterborough
- LHA monthly cap:
- £808
- Scheme type:
- PSL
- Premium:
- +900% premium over LHA cap
- Typical lease:
- 0 years lease
- 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 | £15,120 | £4,923 | £11,213 | £0 | £0 | -£1,015 | -£1,015 |
| Year 2 | £15,574 | £5,071 | £11,213 | £0 | £0 | -£710 | -£1,725 |
| Year 3 | £16,041 | £5,223 | £11,213 | £0 | £0 | -£395 | -£2,120 |
| Year 4 | £16,522 | £5,379 | £11,213 | £0 | £0 | -£70 | -£2,190 |
| Year 5 | £17,018 | £5,541 | £11,213 | £0 | £50 | £214 | -£1,975 |
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,243
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£1,975
Acquisition costs
25% deposit£57,500
Stamp duty£13,600
Refurb£1,350
Legal + survey£1,700
Mortgage + broker£4,450
Cash needed£78,600
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 Guide Price £230,000 - £240,000 This beautifully presented three-bedroom semi-detached home offers stylish and versatile living accommodation throughout, making it an ideal choice for families and professionals alike.
DESCRIPTION The property has been maintained to an exceptional standard by the current owners and boasts a modern kitchen, spacious lounge, and a bright dining area with access to the rear garden. Upstairs, there are three well-proportioned bedrooms, in…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice