-0.2% 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
−£29/mo
You top up £29/mo
Price vs market
Below market value
-25% vs 12 sold · interior unseen
Return · IRR
-0.2%/yr
Loses money over 5 years
Cash left in
£26K
Stays in after refinancing at value
Price £175KCash to buy £70KReturn before costson price7.42%5-yr return on cash 4%Rent est. £1,082 (£986–£1,187)
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: £986–£1,187/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £43,750
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 (£)
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 £131,250 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.
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 ⭐
⭐Council lease wins — +£102/mo · £131/mo ahead of Rent it out
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
7.42%
-£29
£69,589
4.0%
Low
Feasible
Housing-benefit rent
4.07%
-£466
£69,589
-34.7%
Med
Feasible
⭐ Council lease
7.42%
+£102
£69,589
12.4%
Low
Feasible
Refurb & refinance
7.42%
-£29
£82,645
3.4%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£191
£201,520
4%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Derby · cap £593/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Derby
LHA monthly cap:
£593
Scheme type:
PSL
Premium:
+800% premium over LHA cap
Typical lease:
0 years lease
Management:
management covered by council
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
+£275/mo cash flow vs Rent it out if converted to Rent by the room
16.46% Return before costs on price converted vs 7.42% as-is
As-is Rent it out
Monthly profit-£8
Return before costson price7.42%
Cash needed£55,648
If converted to Rent by the room
Monthly profit+£267
Return before costson price16.46%
Cash needed£71,648
Δ vs Rent it outMonthly profit+£275
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
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£42,690–£80,380full refurb + room split
What's in this cost
Kitchen£8,640–£17,280
1 × bathroom£5,700–£10,450
Rewire£3,240–£5,670
Replumb£2,430–£4,860
Windows£8,100–£14,580
Paint + decor£5,670–£10,530
Flooring£8,910–£17,010
Comparables
sold within 0.5 mi
Wide · CV 28.1%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
Asterdale Primary School
Primary · Academy converter · DE21 7PH
Good
Borrow Wood Primary School
Primary · Academy converter · DE21 7QW
Good
St Werburgh's CofE Primary School
Primary · Academy converter · DE21 7LL
Good
Springfield Primary School
Primary · Academy converter · DE21 7AB
Not rated
West Park School
Secondary · Academy converter · DE21 7BT
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£380/yr kept
Annual gross rent£12,984
Section 24 credit£0
Annual tax due£28
Post-tax Monthly profitannual-£380
Exit costs
£2,770 after CGT
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 profitafter CGT£2,770
Rates as of Oct 2024
Acquisition costs
£69,589cash needed
Purchase price£175,000
Deposit (25%)£43,750
Stamp duty+5% additional-property surcharge£9,750
Refurb£10,764
Legal + survey£1,700
Mortgage fees£3,625
Total cash neededdeposit + costs (loan covers the rest)£69,589
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Offered for sale with no chain and immediate vacant possession, this is a deceptively spacious two bedroom mid-terraced bungalow with pleasant rear garden backing onto a park, distant views, parking space and garage.
Internally the hot-air heated and double glazed accommodation which would benefit from a scheme of modernisation comprises, entrance porch, internal hallway with a store, airing cupboard and gas boiler cupboard, large living room leading into an enclosed rear po…
Priced below market -25% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
7.42% Return before costs — above-market
Chain free
Price
£175K
25% below sold comps
Return before costs
7.42%
est rent £1,082/monot enough comparablesRange £986–£1,187/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
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: £986–£1,187/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £43,750
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 (£)
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 £131,250 loan + £1,000 booking fee
Housing-benefit (LHA) scheme detailBRMA Derby · cap £593/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Derby
LHA monthly cap:
£593
Scheme type:
PSL
Premium:
+800% premium over LHA cap
Typical lease:
0 years lease
Management:
management covered by council
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
£12,984
£4,306
£8,531
£0
£28
£119
£119
Year 2
£13,374
£4,435
£8,531
£0
£77
£331
£450
Year 3
£13,775
£4,568
£8,531
£0
£128
£548
£997
Year 4
£14,188
£4,705
£8,531
£0
£181
£771
£1,768
Year 5
£14,614
£4,846
£8,531
£0
£235
£1,001
£2,770
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
3207
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
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 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 28.1%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£1,706
Annual rental tax£0
CGT yr 5£0 · company level
5y net total£2,770
Acquisition costs
£70K
25% deposit£43,750
Stamp duty£9,750
Refurb£10,764
Legal + survey£1,700
Mortgage + broker£3,625
Cash needed£69,589
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
Offered for sale with no chain and immediate vacant possession, this is a deceptively spacious two bedroom mid-terraced bungalow with pleasant rear garden backing onto a park, distant views, parking space and garage.
Internally the hot-air heated and double glazed accommodation which would benefit from a scheme of modernisation comprises, entrance porch, internal hallway with a store, airing cupboard and gas boiler cupboard, large living room leading into an enclosed rear po…