Monthly profit +£716/mo from completion — the no.1 reason to invest
13.23% return before costs — above-market
10.3% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
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
+£716/mo
Pays you every month, net of costs
Price
£230K
No local sold comps to compare
Return · IRR
10.3%/yr
Solid annualised return
Cash to get in
£91K
Deposit + fees + refurb
Return before costson price13.23%5-yr return on cash 59%Rent est. £2,536 (£1,790–£3,593)
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 (£)
Local comp range: £1,790–£3,593/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£10,476–£19,555 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%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
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.
Total cash neededdeposit + costs (loan covers the rest)£91,218
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
PROPERTYDESCRIPTION FIVE BEDROOM FAMILY HOME, PLEASANT CUL-DE-SAC, GREAT LOCATION.
This five bedroom family home occupies a pleasant cul-de-sac position within a popular residential location and offers easy access to local amenities, schools, commuter and transport networks. The accommodation comprises, entrance hall, lounge, kitchen/diner, cloakroom w/c, five bedrooms and a family bathroom. Gas central heating, double glazing, driveway, garage and gardens to the front and…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
13.23% Return before costs — above-market
Price
£230K
Return before costs
13.23%
est rent £2,536/monot enough comparablesRange £1,790–£3,593/mo (Q1–Q3)
Bedrooms
5
1 bath
Energy rating
—
Energy rating
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 (£)
Local comp range: £1,790–£3,593/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
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 (£10,476–£19,555 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%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Housing-benefit (LHA) scheme detailBRMA Staffordshire North · cap £798/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Staffordshire North
LHA monthly cap:
£798
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
£30,432
£7,437
£11,213
£0
£2,239
£9,543
£9,543
Year 2
£31,345
£7,660
£11,213
£0
£2,370
£10,102
£19,645
Year 3
£32,285
£7,890
£11,213
£0
£2,505
£10,678
£30,323
Year 4
£33,254
£8,127
£11,213
£0
£2,644
£11,270
£41,593
Year 5
£34,251
£8,371
£11,213
£0
£2,787
£11,881
£53,474
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
5007
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedMandatory
TenureTenure typeFreehold
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 heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
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£2,243
Annual rental tax£2,016
CGT yr 5£0 · company level
5y net total£53,474
Acquisition costs
£91K
25% deposit£57,500
Stamp duty£13,600
Refurb£13,968
Legal + survey£1,700
Mortgage + broker£4,450
Cash needed£91,218
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
PROPERTYDESCRIPTION FIVE BEDROOM FAMILY HOME, PLEASANT CUL-DE-SAC, GREAT LOCATION.
This five bedroom family home occupies a pleasant cul-de-sac position within a popular residential location and offers easy access to local amenities, schools, commuter and transport networks. The accommodation comprises, entrance hall, lounge, kitchen/diner, cloakroom w/c, five bedrooms and a family bathroom. Gas central heating, double glazing, driveway, garage and gardens to the front and…