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Year 5 disposal
⊞ View all 9
23/ 100
Weak
7.27% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 7.27% return before costs — above-market
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£260/mo — significantly negative — real recurring drain
- -5.6% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£260/mo
You top up £260/mo
Price
£130K
No local sold comps to compare
Return · IRR
-5.6%/yr
Loses money over 5 years
Cash to get in
£55K
Deposit + fees + refurb
Return before costs on price 7.27%5-yr return on cash -23%Rent est. £788 (£648–£958)
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: £648–£958/mo · n=61
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£8,522–£15,907 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£260
after mortgage, operating costs & tax
Rent in£788/mo gross
£758/mo collected · £30/mo lost to voids
Where it goes
£528Mortgage£489Costs
Outgoings exceed rent — you top up £260/mo
Mortgage£528
Costs£489
Management£79
Maintenance£67
Insurance£20
CapEx reserve£39
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£260
Returns
Return before costs on price7.27%
Cash return on cash-5.62%
Gross margin£268
Cash needed£55,412
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.43
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 | £9,456 | £5,871 | £6,338 | £0 | £0 | -£2,752 | -£2,752 |
| Year 2 | £9,740 | £6,047 | £6,338 | £0 | £0 | -£2,645 | -£5,397 |
| Year 3 | £10,032 | £6,228 | £6,338 | £0 | £0 | -£2,534 | -£7,931 |
| Year 4 | £10,333 | £6,415 | £6,338 | £0 | £0 | -£2,420 | -£10,351 |
| Year 5 | £10,643 | £6,608 | £6,338 | £0 | £0 | -£2,302 | -£12,654 |
Disposal gain (gross)-£10,020
CGT£0
Net Disposal proceeds£139,942
What we verified
What we verified
23062 ok · 3 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
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
EWS1& cladding statusListing signal
OKInfoVerifyCritical
Severity
Inferred from listing text
Verify
Lender impact
No EWS1 / floor info in description. Buildings > 11 m need EWS1 or PAS 9980 — confirm height + status with the agent before offering.
Verify with lender
A1/A2 = mortgageable · B1 = mortgageable with plan · B2 = remediation required
RICS EWS1 guidance →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 profileMixed demand
Tenant profilelikely cohortNE29 6WT · 2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
Northumbria · 9.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
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
2-bed · 2-bath · 810 sqft
£25k–£49k
£ per sqft
building cost only
£31–£61
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£5,670–£10,530
- 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 history15d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£132,500 in 2005 → £130,000 asking
-1.9%in 21y
- 2005£132,500—
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 — -£224/mo · £35/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 7.27% | -£260 | £55,412 | -22.8% | Low | Feasible |
| Housing-benefit rent | 5.07% | -£491 | £55,412 | -48.0% | Med | Feasible |
| ⭐ Council lease | 7.27% | -£224 | £55,412 | -22.3% | Low | Feasible |
| Refurb & refinance | 7.27% | -£260 | £66,457 | -19.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£366 | £154,507 | 1% | Med | Feasible |
| Rent by the room | — | — | — | — | — | Disabledneeds 3+ beds |
Housing-benefit (LHA) scheme detailBRMA Tyneside · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Tyneside
- LHA monthly cap:
- £549
- Scheme type:
- none
- Premium:
- +800% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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
+£480/mo cash flow vs Rent it out if converted to Rent by the room
22.15% Return before costs on price converted vs 7.27% as-is
As-is Rent it out
Monthly profit-£71
Return before costs on price7.27%
Cash needed£44,398
If converted to Rent by the room
Monthly profit+£409
Return before costs on price22.15%
Cash needed£60,398
Δ vs Rent it out Monthly profit+£480
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
£40,000
Range: £34,000 – £48,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,928–£78,000full refurb + room split
⚠️ Capped at 60% of £130,000 asking (£78,000). Raw model: £50,490–£91,740. Verify with a surveyor before offering.
What's in this cost
- Kitchen£7,499–£14,998
- 2 × bathroom£9,948–£18,237
- Rewire£2,755–£4,821
- Replumb£2,066–£4,132
- Windows£6,887–£12,396
- Paint + decor£5,509–£8,953
- Flooring£8,264–£14,462
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
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
- GoodPercy Main Primary SchoolPrimary · Community school · NE29 6JA
- GoodWaterville Primary SchoolPrimary · Community school · NE29 6SL
- Requires improvementRiverside Primary SchoolPrimary · Community school · NE29 6DQ
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£9,456
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£3,116
Exit costs
Projected sale price (5y · 2%/yr growth)£143,531
Capital gain (pre-CGT)£13,531
Sale costs (~2.5%)£3,588
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-£12,654
Rates as of Oct 2024
Acquisition costs
£55,412cash neededPurchase price£130,000
Deposit (25%)£32,500
Stamp duty+5% additional-property surcharge£6,600
Refurb£11,362
Legal + survey£2,000
Mortgage fees£2,950
Total cash neededdeposit + costs (loan covers the rest)£55,412
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Brandling Court is a quiet residential development in the Blue Quays area, close to Royal Quays and only seconds away from the beautiful marina in North Shields. This lovely two bedroom apartment is located on the first floor, with secure main entry door and stair access to the apartment.
The main lounge includes fitted carpets, juliet balcony and leads through to the fully fitted kitchen. The kitchen has a range of modern wall and floor units, and integrated fridge freezer,…
Floor plans
Listing metarightmove · Bridgfords
About this listing
15 days · RightmovePrice history
5-year price trend
Monthly profit
−£260
Cash needed
£55K
Return after costs
-5.62%
IRR
-5.59%
Listed 15d ago
Brandling Court, Hackworth Way, NE29
flat · 2 bed · 2 bath
£130,000
est £788 · 7.27% gross
1 / 9
23/100
Marginal
7.27% — verify the rent + comps locally.
7.27% Return before costs — above-market
Price
£130K
Return before costs
7.27%
est rent £788/monot enough comparablesRange £648–£958/mo (Q1–Q3)
Bedrooms
2
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: £648–£958/mo · n=61
Financing
DepositYour cash in — the rest is the mortgage25% · £32,500
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 (£8,522–£15,907 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £97,500 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 sub-£200K
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£260
after mortgage, operating costs & tax
Rent in£788/mo gross
£758/mo collected · £30/mo lost to voids
Where it goes
£528Mortgage£489Costs
Outgoings exceed rent — you top up £260/mo
Mortgage£528
Costs£489
Management£79
Maintenance£67
Insurance£20
CapEx reserve£39
Voids + council tax£5
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£260
Returns
Return before costs on price7.27%
Cash return on cash-5.62%
Gross margin£268
Cash needed£55,412
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.43
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Tyneside · cap £549/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Tyneside
- LHA monthly cap:
- £549
- Scheme type:
- none
- Premium:
- +800% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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 | £9,456 | £5,871 | £6,338 | £0 | £0 | -£2,752 | -£2,752 |
| Year 2 | £9,740 | £6,047 | £6,338 | £0 | £0 | -£2,645 | -£5,397 |
| Year 3 | £10,032 | £6,228 | £6,338 | £0 | £0 | -£2,534 | -£7,931 |
| Year 4 | £10,333 | £6,415 | £6,338 | £0 | £0 | -£2,420 | -£10,351 |
| Year 5 | £10,643 | £6,608 | £6,338 | £0 | £0 | -£2,302 | -£12,654 |
Rent by the room upside
What we verified
2307
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
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 let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,268
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£12,654
Acquisition costs
25% deposit£32,500
Stamp duty£6,600
Refurb£11,362
Legal + survey£2,000
Mortgage + broker£2,950
Cash needed£55,412
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
Brandling Court is a quiet residential development in the Blue Quays area, close to Royal Quays and only seconds away from the beautiful marina in North Shields. This lovely two bedroom apartment is located on the first floor, with secure main entry door and stair access to the apartment.
The main lounge includes fitted carpets, juliet balcony and leads through to the fully fitted kitchen. The kitchen has a range of modern wall and floor units, and integrated fridge freezer,…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice