Monthly profit +£270/mo from completion — the no.1 reason to invest
14.67% return before costs — above-market
Priced below market -72% vs 12 nearby sold (last 12 mo) — instant equity
7.6% 5y IRR — strong total return on capital
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
+£270/mo
Pays you every month, net of costs
Price vs market
Below market value
-72% vs 12 sold · interior unseen
Return · IRR
7.6%/yr
Modest annualised return
Cash left in
£0
Fully recycled — pull all your cash back out
Price £102KCash to buy £46KReturn before costson price14.67%5-yr return on cash 46%Rent est. £1,241 (£1,140–£1,351)
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: £1,140–£1,351/mo · n=73
Financing
DepositYour cash in — the rest is the mortgage25% · £25,375
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 (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £76,125 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.
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 history17d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£270/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
14.67%
+£270
£45,737
45.7%
Low
Feasible
Housing-benefit rent
10.68%
+£1
£45,737
10.7%
Med
Feasible
Council lease
10.68%
+£153
£45,737
24.1%
Low
Feasible
Refurb & refinance
14.67%
+£270
£55,118
38.0%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£256
£123,645
-1%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Maidstone · cap £903/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Maidstone
LHA monthly cap:
£903
Scheme type:
PSL
Premium:
+0% 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 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
+£169/mo cash flow vs Rent it out if converted to Rent by the room
28.37% Return before costs on price converted vs 14.67% as-is
As-is Rent it out
Monthly profit+£330
Return before costson price14.67%
Cash needed£37,273
If converted to Rent by the room
Monthly profit+£499
Return before costson price28.37%
Cash needed£53,273
Δ vs Rent it outMonthly profit+£169
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
£55,000
Range: £47,500 – £65,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£34,100–£60,900full refurb + room split
⚠️ Capped at 60% of £101,500 asking (£60,900). Raw model: £58,230–£103,995. Verify with a surveyor before offering.
What's in this cost
Kitchen£5,797–£11,595
1 × bathroom£3,953–£7,247
Rewire£2,767–£4,427
Replumb£2,214–£3,874
Windows£6,087–£10,515
Paint + decor£5,534–£9,408
Flooring£7,748–£13,835
Comparables
sold within 0.5 mi
Wide · CV 18.5%Med confidence
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 & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
Archbishop Courtenay Primary School
Primary · Academy sponsor led · ME15 6QN
Good
South Borough Primary School
Primary · Academy converter · ME15 6TL
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£3,135/yr kept
Annual gross rent£14,892
Section 24 credit£0
Annual tax due£870
Post-tax Monthly profitannual£3,135
Exit costs
£20,924 after CGT
Projected sale price (5y · 2%/yr growth)£112,064
Capital gain (pre-CGT)£10,564
Sale costs (~2.5%)£2,802
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£20,924
Rates as of Oct 2024
Acquisition costs
£45,737cash needed
Purchase price£101,500
Deposit (25%)£25,375
Stamp duty+5% additional-property surcharge£5,075
Refurb£10,764
Legal + survey£2,000
Mortgage fees£2,523
Total cash neededdeposit + costs (loan covers the rest)£45,737
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
A well-presented two-bedroom semi-detached home offering bright, comfortable living in a popular residential area. The property features a spacious living room, a practical kitchen, two well-proportioned bedrooms and a modern family bathroom.
Outside, you'll find a private rear garden, ideal for low-maintenance outdoor space. Located close to local amenities, schools and transport links, this home is perfectly suited to first-time buyers or a downsizer.
Priced below market -72% vs 12 nearby sold (last 12 mo)
Monthly profit+£270/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
14.67% Return before costs — above-market
Price
£102K
72% below sold comps
Return before costs
14.67%
est rent £1,241/monot enough comparablesRange £1,140–£1,351/mo (Q1–Q3)
Bedrooms
2
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: £1,140–£1,351/mo · n=73
Financing
DepositYour cash in — the rest is the mortgage25% · £25,375
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 (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £76,125 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Maidstone · cap £903/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Maidstone
LHA monthly cap:
£903
Scheme type:
PSL
Premium:
+0% 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
£14,892
£5,366
£4,948
£0
£870
£3,708
£3,708
Year 2
£15,339
£5,527
£4,948
£0
£924
£3,939
£7,647
Year 3
£15,799
£5,693
£4,948
£0
£980
£4,178
£11,825
Year 4
£16,273
£5,864
£4,948
£0
£1,038
£4,423
£16,247
Year 5
£16,761
£6,040
£4,948
£0
£1,097
£4,676
£20,924
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
13 total
4207
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureLeasehold years remaining111 yr
HeritageListed building / conservation areaNot stated on the listing
Building condition4▾
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
Service chargeReduces net yield£480/yr
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
Wide · CV 18.5%Med confidence
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£990
Annual rental tax£761
CGT yr 5£0 · company level
5y net total£20,924
Acquisition costs
£46K
25% deposit£25,375
Stamp duty£5,075
Refurb£10,764
Legal + survey£2,000
Mortgage + broker£2,523
Cash needed£45,737
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
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Description& agent copyRightmove
A well-presented two-bedroom semi-detached home offering bright, comfortable living in a popular residential area. The property features a spacious living room, a practical kitchen, two well-proportioned bedrooms and a modern family bathroom.
Outside, you'll find a private rear garden, ideal for low-maintenance outdoor space. Located close to local amenities, schools and transport links, this home is perfectly suited to first-time buyers or a downsizer.