Priced below market -50% vs 12 nearby sold (last 12 mo) — instant equity
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Auction lot — bridging-only finance, 28-day completion
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
+£195/mo
Barely breaks even each month
Price vs market
Below market value
-50% vs 12 sold · interior unseen
Return · IRR
3.4%/yr
Modest annualised return
Cash left in
£20K
Stays in after refinancing at value
Price £95KCash to buy £90KReturn before costson price12.82%5-yr return on cash 17%Rent est. £1,015 (£944–£1,091)
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: £944–£1,091/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · £23,750
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 (£)
Capped at 60% of £95,000 asking (£57,000). Raw model: £49,375–£92,795. Verify with a surveyor before offering.
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £71,250 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.
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent by the room wins — +£213/mo · £17/mo ahead of Rent it out (after room-conversion)
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
12.82%
+£195
£89,625
17.4%
Low
Feasible
Housing-benefit rent
7.49%
-£141
£89,625
-5.2%
Med
Feasible
Council lease
0.00%
-£577
£89,625
-39.4%
Low
Feasible
Refurb & refinance
12.82%
+£195
£113,375
13.8%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£191
£177,450
-35%
Med
Feasible
⭐ Rent by the room
22.74%
+£213
£89,625
24.4%
—
Feasible
Housing-benefit (LHA) scheme detailBRMA Staffordshire North · cap £593/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:
£593
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
+£317/mo cash flow vs Rent it out if converted to Rent by the room
30.32% Return before costs on price converted vs 12.82% as-is
As-is Rent it out
Monthly profit+£202
Return before costson price12.82%
Cash needed£35,648
If converted to Rent by the room
Monthly profit+£520
Return before costson price30.32%
Cash needed£51,648
Δ vs Rent it outMonthly profit+£317
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£30,329–£57,000full refurb + room split
⚠️ Capped at 60% of £95,000 asking (£57,000). Raw model: £49,375–£92,795. Verify with a surveyor before offering.
What's in this cost
Kitchen£5,307–£10,614
1 × bathroom£3,501–£6,419
Rewire£2,459–£4,304
Replumb£1,845–£3,689
Windows£6,149–£11,068
Paint + decor£4,304–£7,993
Flooring£6,764–£12,912
Comparables
sold within 0.5 mi
Wide · CV 72.2%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 & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
Chesterton Primary School
Primary · Academy converter · ST5 7NT
Good
Crackley Bank Primary School
Primary · Academy converter · ST5 7BE
Good
Chesterton Community Sports College
Secondary · Academy converter · ST5 7LP
Good
Churchfields Primary School
Primary · Academy sponsor led · ST5 7HY
Not rated
St Chad's CofE (C) Primary School
Primary · Voluntary controlled school · ST5 7AB
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
£2,255/yr kept
Annual gross rent£12,180
Section 24 credit£0
Annual tax due£639
Post-tax Monthly profitannual£2,255
Exit costs
£15,621 after CGT
Projected sale price (5y · 2%/yr growth)£104,888
Capital gain (pre-CGT)£9,888
Sale costs (~2.5%)£2,622
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£15,621
Rates as of Oct 2024
Acquisition costs
£89,625cash needed
Purchase price£95,000
Deposit (25%)£23,750
Stamp duty+5% additional-property surcharge£4,750
Refurb£57,000
Legal + survey£1,700
Mortgage fees£2,425
Total cash neededdeposit + costs (loan covers the rest)£89,625
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
PROPERTYDESCRIPTION INVESTMENT OPPORTUNITY, MODERNISATION REQUIRED, CASH BUYERS PREFERRED.
This deceptively spacious three bedroom semi detached family home is situated in a popular residential location offering easy access to local amenities, schools, commuter and transport networks. The accommodation comprises, entrance hall, lounge, dining room, kitchen, side lobby, cloakroom w/c, three bedrooms and a bathroom. Gas central heating, double glazing and generous size garden…
Priced below market -50% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
12.82% Return before costs — above-market
Price
£95K
50% below sold comps
Return before costs
12.82%
est rent £1,015/monot enough comparablesRange £944–£1,091/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Auction
Guide price — assume +20-30% in the room
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: £944–£1,091/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · £23,750
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 (£)
Capped at 60% of £95,000 asking (£57,000). Raw model: £49,375–£92,795. Verify with a surveyor before offering.
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £71,250 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Staffordshire North · cap £593/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:
£593
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
£12,180
£4,186
£4,631
£0
£639
£2,724
£2,724
Year 2
£12,545
£4,312
£4,631
£0
£684
£2,919
£5,642
Year 3
£12,922
£4,441
£4,631
£0
£731
£3,119
£8,761
Year 4
£13,309
£4,574
£4,631
£0
£780
£3,324
£12,085
Year 5
£13,709
£4,711
£4,631
£0
£830
£3,536
£15,621
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Gross Rent by the room yield—
What we verified
13 total
5107
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
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 profile3▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Sale typeGuide price — assume +20-30% in the roomAuction
Comparables
sold within 0.5 mi
Wide · CV 72.2%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£926
Annual rental tax£550
CGT yr 5£0 · company level
5y net total£15,621
Acquisition costs
£90K
25% deposit£23,750
Stamp duty£4,750
Refurb£57,000
Legal + survey£1,700
Mortgage + broker£2,425
Cash needed£89,625
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
PROPERTYDESCRIPTION INVESTMENT OPPORTUNITY, MODERNISATION REQUIRED, CASH BUYERS PREFERRED.
This deceptively spacious three bedroom semi detached family home is situated in a popular residential location offering easy access to local amenities, schools, commuter and transport networks. The accommodation comprises, entrance hall, lounge, dining room, kitchen, side lobby, cloakroom w/c, three bedrooms and a bathroom. Gas central heating, double glazing and generous size garden…