No rent data on file — verify locally before offering.
Why it works
Why to be cautious
Monthly profit −£435/mo — significantly negative — real recurring drain
-18.0% 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
−£435/mo
You top up £435/mo
Price
£59K
No local sold comps to compare
Return · IRR
-18.0%/yr
Loses money over 5 years
Cash to get in
£32K
Deposit + fees + refurb
5-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).
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £14,700
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £44,100 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.
Housing-benefit (LHA) scheme detailBRMA Ashford · cap £848/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Ashford
LHA monthly cap:
£848
Scheme type:
nominee
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 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
+£1,067/mo cash flow vs Rent it out if converted to Rent by the room
48.98% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£433
Return before costson price0.00%
Cash needed£26,598
If converted to Rent by the room
Monthly profit+£634
Return before costson price48.98%
Cash needed£42,598
Δ vs Rent it outMonthly profit+£1,067
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
£35,280
Range: £29,988 – £40,572
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£19,754–£35,280full refurb + room split
⚠️ Capped at 60% of £58,800 asking (£35,280). Raw model: £58,230–£103,995. Verify with a surveyor before offering.
What's in this cost
Kitchen£3,359–£6,717
1 × bathroom£2,290–£4,198
Rewire£1,603–£2,565
Replumb£1,282–£2,244
Windows£3,526–£6,091
Paint + decor£3,206–£5,450
Flooring£4,488–£8,015
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
Transport score100 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Schools & catchment3 schools nearby
Nearby schoolsOfsted-rated, nearest first3 of 5
Greatstone Primary School
Primary · Foundation school · TN28 8SY
Good
The Marsh Academy
Secondary · Academy sponsor led · TN28 8BB
Good
St Nicholas Church of England Primary Academy
Primary · Academy sponsor led · TN28 8BP
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£5,219/yr kept
Annual gross rent£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£5,219
Exit costs
-£26,822 after CGT
Projected sale price (5y · 2%/yr growth)£64,920
Capital gain (pre-CGT)£6,120
Sale costs (~2.5%)£1,623
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-£26,822
Rates as of Oct 2024
Acquisition costs
£31,986cash needed
Purchase price£58,800
Deposit (25%)£14,700
Stamp duty+5% additional-property surcharge£2,940
Refurb£10,764
Legal + survey£1,700
Mortgage fees£1,882
Total cash neededdeposit + costs (loan covers the rest)£31,986
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
The Ashberry: Your Perfect Home-from-Home
The Ashberry is where comfort meets style. With its soothing neutral tones, soft sage green accents, and warm wood finishes, this charming holiday home offers a cosy retreat that feels just like home. Thoughtfully designed with practical storage and standout features throughout, it's the ideal space to relax, unwind, and enjoy quality time, without breaking the bank.
The Ashberry suits a wide range of budgets, while still deliverin…
Monthly profit −£435/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£59K
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
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £14,700
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 (£8,073–£15,070 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £44,100 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Ashford · cap £848/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Ashford
LHA monthly cap:
£848
Scheme type:
nominee
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
£0
£2,353
£2,867
£0
£0
-£5,219
-£5,219
Year 2
£0
£2,423
£2,867
£0
£0
-£5,290
-£10,509
Year 3
£0
£2,496
£2,867
£0
£0
-£5,362
-£15,871
Year 4
£0
£2,571
£2,867
£0
£0
-£5,437
-£21,308
Year 5
£0
£2,648
£2,867
£0
£0
-£5,514
-£26,822
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
2208
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeUnknown
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 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£573
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£26,822
Acquisition costs
£32K
25% deposit£14,700
Stamp duty£2,940
Refurb£10,764
Legal + survey£1,700
Mortgage + broker£1,882
Cash needed£31,986
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyRightmove
The Ashberry: Your Perfect Home-from-Home
The Ashberry is where comfort meets style. With its soothing neutral tones, soft sage green accents, and warm wood finishes, this charming holiday home offers a cosy retreat that feels just like home. Thoughtfully designed with practical storage and standout features throughout, it's the ideal space to relax, unwind, and enjoy quality time, without breaking the bank.
The Ashberry suits a wide range of budgets, while still deliverin…