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Year 5 disposal
⊞ View all 9
80/ 100
Strong
Strong investment fundamentals.
Why it works
- Monthly profit +£213/mo from completion — the no.1 reason to invest
- 9.74% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- EPC E — must hit C by 2030 (~£6,000–£12,000)
- 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£213/mo
Pays you every month, net of costs
Price
£175K
No local sold comps to compare
Return · IRR
4.0%/yr
Modest annualised return
Cash to get in
£74K
Deposit + fees + refurb
Return before costs on price 9.74%5-yr return on cash 25%Rent est. £1,421 (£1,374–£1,470)
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: £1,374–£1,470/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £43,750
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £131,250 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£213
after mortgage, operating costs & tax
Rent in£1,421/mo gross
£1,366/mo collected · £55/mo lost to voids
Where it goes
£711Mortgage£392Costs
£213/mo left as profit · 16% of rent kept
Mortgage£711
Costs£392
Management£142
Maintenance£50
Insurance£20
CapEx reserve£71
Voids + council tax£5
Ltd co. accounts£104
Tax£50
Profit+£213
Returns
Return before costs on price9.74%
Cash return on cash3.46%
Gross margin£974
Cash needed£73,936
Monthly profit payback28y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.92
Rent-covers-mortgage check PASS · stress 6.5% (target 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 | £17,052 | £4,706 | £8,531 | £0 | £725 | £3,089 | £3,089 |
| Year 2 | £17,564 | £4,847 | £8,531 | £0 | £795 | £3,390 | £6,479 |
| Year 3 | £18,090 | £4,993 | £8,531 | £0 | £868 | £3,698 | £10,178 |
| Year 4 | £18,633 | £5,143 | £8,531 | £0 | £942 | £4,017 | £14,195 |
| Year 5 | £19,192 | £5,297 | £8,531 | £0 | £1,019 | £4,345 | £18,540 |
Disposal gain (gross)-£13,177
CGT£0
Net Disposal proceeds£188,384
What we verified
What we verified
42064 ok · 2 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
Rates as of May 2026
Building condition
Energy ratingE
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
Address-matched (ground truth)Band E
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£6k–£12k
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
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 profileFamily let
Tenant profilelikely cohortMK41 9HH · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Cambridge · 38 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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
3-bed · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Check council
The council's HMO page lists the current mandatory fee plus any additional / selective scheme that catches smaller HMOs.
Mandatory licensing applies to 5+ sharer HMOs (Housing Act 2004)
Find council HMO page →Price & sale history11d on marketno cuts yet
Strategy matrix
Rent it out wins — +£213/mo · level with Refurb & refinance
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| ⭐ Rent it out | 9.74% | +£213 | £73,936 | 25.1% | Low | Feasible |
| Housing-benefit rent | 6.84% | -£144 | £73,936 | -2.3% | Med | Feasible |
| Council lease | 6.84% | -£38 | £73,936 | 0.1% | Low | Feasible |
| Refurb & refinance | 9.74% | +£213 | £88,730 | 20.9% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£174 | £207,605 | 2% | Med | Feasible |
| Rent by the room | 12.34% | -£54 | £73,936 | 8.9% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Bedford · cap £997/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bedford
- LHA monthly cap:
- £997
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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
+£51/mo cash flow vs Rent it out if converted to Rent by the room
16.46% Return before costs on price converted vs 9.74% as-is
As-is Rent it out
Monthly profit+£216
Return before costs on price9.74%
Cash needed£55,648
If converted to Rent by the room
Monthly profit+£267
Return before costs on price16.46%
Cash needed£71,648
Δ vs Rent it out Monthly profit+£51
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£54,690–£102,530full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 2 × bathroom£11,400–£20,900
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
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 & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodSt John Rigby Catholic Primary SchoolPrimary · Academy converter · MK41 9DQ
- GoodThe Hills AcademyPrimary · Academy converter · MK41 9AT
- GoodGoldington AcademySecondary · Academy converter · MK41 9BX
- Not ratedKWS SchoolNot applicable · Other independent school · MK41 9TJ
- Not ratedHazeldene SchoolPrimary · Foundation school · MK41 9AT
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£17,052
Section 24 credit£0
Annual tax due£725
Post-tax Monthly profit annual£2,434
Exit costs
Projected sale price (5y · 2%/yr growth)£193,214
Capital gain (pre-CGT)£18,214
Sale costs (~2.5%)£4,830
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£18,540
Rates as of Oct 2024
Acquisition costs
£73,936cash neededPurchase price£175,000
Deposit (25%)£43,750
Stamp duty+5% additional-property surcharge£9,750
Refurb£15,111
Legal + survey£1,700
Mortgage fees£3,625
Total cash neededdeposit + costs (loan covers the rest)£73,936
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Guide Price = £175,000+
For Sale By Public Auction 7th October 2026 09:30 AM To inspect the legal documents for this property go to our website to download the legal pack
A Vacant Three Bedroom End of Terrace House
Tenure Freehold
Location The property is situated on a residential road close to local shops and amenities. The open spaces of Bowhill Park are within easy reach. Transport links are provided by Bedford rail station.
Description The property comprises a thre…
Floor plans
Listing metarightmove · Auction House London
About this listing
11 days · RightmovePrice history
5-year price trend
Monthly profit
+£213
Cash needed
£74K
Return after costs
3.46%
IRR
3.99%
Listed 11d ago
54 Meadway, Bedford, Bedfordshire, MK41 9HH
terraced · 3 bed · 786 sqft (EPC)
£175,000
est £1,421 · 9.74% gross
EPC E
1 / 9
80/100
Strong
Real 9.74% — fundamentals work.
Monthly profit +£213/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
9.74% Return before costs — above-market
Energy rating E — Min. energy standard blocker by 2030 (~£6,000–£12,000 upgrade)
Price
£175K
Return before costs
9.74%
est rent £1,421/monot enough comparablesRange £1,374–£1,470/mo (Q1–Q3)
Bedrooms
3
— bath
Energy rating
E
MEES (Minimum Energy Efficiency Standards) blocker by 2030
~£6,000–£12,000 upgrade
~£6,000–£12,000 upgrade
Deal flags1 issue
EPC E — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £1,374–£1,470/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · £43,750
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £131,250 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)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£213
after mortgage, operating costs & tax
Rent in£1,421/mo gross
£1,366/mo collected · £55/mo lost to voids
Where it goes
£711Mortgage£392Costs
£213/mo left as profit · 16% of rent kept
Mortgage£711
Costs£392
Management£142
Maintenance£50
Insurance£20
CapEx reserve£71
Voids + council tax£5
Ltd co. accounts£104
Tax£50
Profit+£213
Returns
Return before costs on price9.74%
Cash return on cash3.46%
Gross margin£974
Cash needed£73,936
Monthly profit payback28y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.92
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Bedford · cap £997/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Bedford
- LHA monthly cap:
- £997
- Scheme type:
- other
- Premium:
- +0% premium over LHA cap
- 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 | £17,052 | £4,706 | £8,531 | £0 | £725 | £3,089 | £3,089 |
| Year 2 | £17,564 | £4,847 | £8,531 | £0 | £795 | £3,390 | £6,479 |
| Year 3 | £18,090 | £4,993 | £8,531 | £0 | £868 | £3,698 | £10,178 |
| Year 4 | £18,633 | £5,143 | £8,531 | £0 | £942 | £4,017 | £14,195 |
| Year 5 | £19,192 | £5,297 | £8,531 | £0 | £1,019 | £4,345 | £18,540 |
Rent by the room upside
What we verified
4116
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£6,000–£12,000 to upgrade to CE
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,706
Annual rental tax£600
CGT yr 5£0 · company level
5y net total£18,540
Acquisition costs
25% deposit£43,750
Stamp duty£9,750
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£3,625
Cash needed£73,936
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
Guide Price = £175,000+
For Sale By Public Auction 7th October 2026 09:30 AM To inspect the legal documents for this property go to our website to download the legal pack
A Vacant Three Bedroom End of Terrace House
Tenure Freehold
Location The property is situated on a residential road close to local shops and amenities. The open spaces of Bowhill Park are within easy reach. Transport links are provided by Bedford rail station.
Description The property comprises a thre…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice