No rent data on file — verify locally before offering.
Why it works
Priced below market -91% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
Monthly profit −£318/mo — significantly negative — real recurring drain
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).
Tenure not stated — confirm freehold/leasehold and any lease term before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£318/mo
You top up £318/mo
Price vs market
Below market value
-91% vs 12 sold · interior unseen
Return · IRR
—
Not modelled
Cash left in
£0
Fully recycled — pull all your cash back out
Price £30KCash to buy £23K5-yr return on cash -86%
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £7,499
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 (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £22,496.25 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 history4d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Housing-benefit rent wins — +£283/mo · £596/mo ahead of Council lease
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
0.00%
-£318
£22,913
-86.4%
Low
Feasible
⭐ Housing-benefit rent
35.73%
+£283
£22,913
95.8%
Med
Feasible
Council lease
0.00%
-£313
£22,913
-85.1%
Low
Feasible
Refurb & refinance
0.00%
-£318
£28,719
-68.9%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£191
£48,265
-26%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Canterbury · cap £893/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Canterbury
LHA monthly cap:
£893
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
+£1,045/mo cash flow vs Rent it out if converted to Rent by the room
96.02% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£320
Return before costson price0.00%
Cash needed£19,397
If converted to Rent by the room
Monthly profit+£725
Return before costson price96.02%
Cash needed£35,397
Δ vs Rent it outMonthly profit+£1,045
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
£17,997
Range: £15,297 – £20,697
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£9,588–£17,997full refurb + room split
⚠️ Capped at 60% of £29,995 asking (£17,997). Raw model: £48,390–£90,830. Verify with a surveyor before offering.
What's in this cost
Kitchen£1,712–£3,424
2 × bathroom£2,259–£4,141
Rewire£642–£1,123
Replumb£481–£963
Windows£1,605–£2,889
Paint + decor£1,123–£2,086
Flooring£1,765–£3,370
Comparables
sold within 0.5 mi
Wide · CV 70.8%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 90 / 100
Loading map…
Transport score90 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
St Mary's Catholic Primary School, Whitstable
Primary · Academy converter · CT5 2EY
Not rated
Swalecliffe Community Primary School
Primary · Foundation school · CT5 2PH
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£3,815/yr kept
Annual gross rent£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£3,815
Exit costs
-£19,801 after CGT
Projected sale price (5y · 2%/yr growth)£33,117
Capital gain (pre-CGT)£3,122
Sale costs (~2.5%)£828
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-£19,801
Rates as of Oct 2024
Acquisition costs
£22,913cash needed
Purchase price£29,995
Deposit (25%)£7,499
Stamp duty+5% additional-property surcharge£1,500
Refurb£10,764
Legal + survey£1,700
Mortgage fees£1,450
Total cash neededdeposit + costs (loan covers the rest)£22,913
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Discover the 2021 ABI Trieste, a comfortable 2-bedroom holiday caravan sleeping up to 6, now available at Seaview Holiday Park in Whitstable. With a bright open-plan living area, a spacious corner sofa and a welcoming layout, it offers a relaxed setting for family breaks and seaside escapes on the Kent coast.
The fully fitted kitchen includes a cooker and fridge freezer, alongside a dining table with benches for easy family meals. Both bedrooms are well proportioned, with a…
Priced below market -91% vs 12 nearby sold (last 12 mo)
Price
£30K
91% below sold comps
Return before costs
—
rent unknown
Bedrooms
2
2 bath
Energy rating
—
Energy rating
Deal flags1 issue
Park home
Not mortgageable; depreciating asset
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 (£)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · £7,499
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 (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £22,496.25 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Canterbury · cap £893/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Canterbury
LHA monthly cap:
£893
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
£0
£2,353
£1,462
£0
£0
-£3,815
-£3,815
Year 2
£0
£2,423
£1,462
£0
£0
-£3,885
-£7,700
Year 3
£0
£2,496
£1,462
£0
£0
-£3,958
-£11,658
Year 4
£0
£2,571
£1,462
£0
£0
-£4,033
-£15,691
Year 5
£0
£2,648
£1,462
£0
£0
-£4,110
-£19,801
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
12 total
2208
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeUnknown
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 heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Wide · CV 70.8%Med confidence
Loading nearby sold…
Location & transport
Score 90/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£292
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£19,801
Acquisition costs
£23K
25% deposit£7,499
Stamp duty£1,500
Refurb£10,764
Legal + survey£1,700
Mortgage + broker£1,450
Cash needed£22,913
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyRightmove
Discover the 2021 ABI Trieste, a comfortable 2-bedroom holiday caravan sleeping up to 6, now available at Seaview Holiday Park in Whitstable. With a bright open-plan living area, a spacious corner sofa and a welcoming layout, it offers a relaxed setting for family breaks and seaside escapes on the Kent coast.
The fully fitted kitchen includes a cooker and fridge freezer, alongside a dining table with benches for easy family meals. Both bedrooms are well proportioned, with a…