No rent data on file — verify locally before offering.
Why it works
Why to be cautious
Monthly profit −£399/mo — significantly negative — real recurring drain
-15.6% 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.
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
−£399/mo
You top up £399/mo
Price
£50K
No local sold comps to compare
Return · IRR
-15.6%/yr
Loses money over 5 years
Cash to get in
£34K
Deposit + fees + refurb
5-yr return on cash -74%
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% · £12,499
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £37,496.25 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.
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent by the room wins — +£451/mo · £109/mo ahead of Housing-benefit rent (after room-conversion)
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
0.00%
-£399
£33,560
-73.5%
Low
Feasible
Housing-benefit rent
26.33%
+£342
£33,560
79.7%
Med
Feasible
Council lease
0.00%
-£394
£33,560
-72.6%
Low
Feasible
Refurb & refinance
0.00%
-£399
£42,104
-58.6%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£191
£75,350
-20%
Med
Feasible
⭐ Rent by the room
46.80%
+£451
£33,560
110.5%
—
Feasible
Housing-benefit (LHA) scheme detailBRMA Canterbury · cap £1,097/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Canterbury
LHA monthly cap:
£1,097
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
+£1,060/mo cash flow vs Rent it out if converted to Rent by the room
57.61% Return before costs on price converted vs 0.00% as-is
As-is Rent it out
Monthly profit-£398
Return before costson price0.00%
Cash needed£24,397
If converted to Rent by the room
Monthly profit+£662
Return before costson price57.61%
Cash needed£40,397
Δ vs Rent it outMonthly profit+£1,060
Show conversion detail
Conversion cost estimate
£29,997
Range: £25,497 – £34,497
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£16,001–£29,997full refurb + room split
⚠️ Capped at 60% of £49,995 asking (£29,997). Raw model: £54,690–£102,530. Verify with a surveyor before offering.
What's in this cost
Kitchen£2,528–£5,056
2 × bathroom£3,335–£6,115
Rewire£1,159–£2,027
Replumb£869–£1,738
Windows£2,896–£5,214
Paint + decor£2,027–£3,765
Flooring£3,186–£6,082
Comparables
sold within 0.5 mi
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 & catchment1 school nearby
Nearby schoolsOfsted-rated, nearest first1 of 5
Joy Lane Primary Foundation School
Primary · Foundation school · CT5 4LT
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£4,790/yr kept
Annual gross rent£0
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£4,790
Exit costs
-£24,676 after CGT
Projected sale price (5y · 2%/yr growth)£55,199
Capital gain (pre-CGT)£5,204
Sale costs (~2.5%)£1,380
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-£24,676
Rates as of Oct 2024
Acquisition costs
£33,560cash needed
Purchase price£49,995
Deposit (25%)£12,499
Stamp duty+5% additional-property surcharge£2,500
Refurb£15,111
Legal + survey£1,700
Mortgage fees£1,750
Total cash neededdeposit + costs (loan covers the rest)£33,560
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
This 2020 Delta Wadhurst is a spacious and welcoming holiday caravan for sale at Alberta Holiday Park in Whitstable, Kent. Measuring 36ft x 12ft, it offers three bedrooms, sleeps up to eight people, and includes a sofa bed in the lounge, making it a great choice for family breaks and holidays with friends.
Inside, the caravan feels light and airy, with double glazing and central heating helping to keep it comfortable throughout the season. The fully fitted kitchen includes a…
Monthly profit −£399/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£50K
Return before costs
—
rent unknown
Bedrooms
3
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% · £12,499
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £37,496.25 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Canterbury · cap £1,097/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Canterbury
LHA monthly cap:
£1,097
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
£2,437
£0
£0
-£4,790
-£4,790
Year 2
£0
£2,423
£2,437
£0
£0
-£4,860
-£9,650
Year 3
£0
£2,496
£2,437
£0
£0
-£4,933
-£14,583
Year 4
£0
£2,571
£2,437
£0
£0
-£5,008
-£19,591
Year 5
£0
£2,648
£2,437
£0
£0
-£5,085
-£24,676
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
12 total
4008
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
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£487
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£24,676
Acquisition costs
£34K
25% deposit£12,499
Stamp duty£2,500
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£1,750
Cash needed£33,560
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
This 2020 Delta Wadhurst is a spacious and welcoming holiday caravan for sale at Alberta Holiday Park in Whitstable, Kent. Measuring 36ft x 12ft, it offers three bedrooms, sleeps up to eight people, and includes a sofa bed in the lounge, making it a great choice for family breaks and holidays with friends.
Inside, the caravan feels light and airy, with double glazing and central heating helping to keep it comfortable throughout the season. The fully fitted kitchen includes a…