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Year 5 disposal
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84/ 100
Strong
10.10% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Monthly profit +£387/mo from completion — the no.1 reason to invest
- 10.10% return before costs — above-market
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- 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
+£387/mo
Pays you every month, net of costs
Price vs market
Above comparable sales
+11% vs 12 sold
Return · IRR
5.2%/yr
Modest annualised return
Cash to get in
£100K
Deposit + fees + refurb
Price £240KReturn before costs on price 10.10%5-yr return on cash 32%Rent est. £2,021 (£1,520–£2,687)
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: £1,520–£2,687/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £60,000
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £180,000 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 £200K–£400K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£387
after mortgage, operating costs & tax
Rent in£2,021/mo gross
£1,943/mo collected · £78/mo lost to voids
Where it goes
£975Mortgage£491Costs£387Your profit
£387/mo left as profit · 20% of rent kept
Mortgage£975
Costs£491
Management£202
Maintenance£50
Insurance£28
CapEx reserve£101
Voids + council tax£6
Ltd co. accounts£104
Tax£91
Profit+£387
Returns
Return before costs on price10.11%
Cash return on cash4.64%
Gross margin£1,452
Cash needed£100,058
Monthly profit payback21y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.99
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 | £24,252 | £5,892 | £11,700 | £0 | £1,265 | £5,395 | £5,395 |
| Year 2 | £24,980 | £6,069 | £11,700 | £0 | £1,370 | £5,841 | £11,236 |
| Year 3 | £25,729 | £6,251 | £11,700 | £0 | £1,478 | £6,300 | £17,537 |
| Year 4 | £26,501 | £6,438 | £11,700 | £0 | £1,589 | £6,774 | £24,310 |
| Year 5 | £27,296 | £6,631 | £11,700 | £0 | £1,703 | £7,262 | £31,572 |
Disposal gain (gross)-£17,103
CGT£0
Net Disposal proceeds£258,355
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 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
Conversion approvability
Per-property planning assessment
Likely approvable83% likely
Confidence: low
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 50m (below threshold)
- local council HMO approval rate 83% (446 decisions)
- NO HMO concentration data for this council: neither a licensed register nor granted change-of-use decisions nearby. This is ABSENCE OF DATA, not absence of HMOs — verify with the council before relying on it
Rent by the room concentration nearby
≈0.0% within 50 m vs 10% policy
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 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
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 cohortNN1 5BJ · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Oxford Brookes · 58.7 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
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
4-bed · 1-bath · 1170 sqft
£28k–£55k
£ per sqft
building cost only
£24–£47
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£8,190–£15,210
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£12,870–£24,570
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingAlready licensed
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 history3d on marketno cuts yet
Strategy matrix
Rent it out wins — +£387/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 | 10.11% | +£387 | £100,058 | 31.6% | Low | Feasible |
| Housing-benefit rent | 5.79% | -£297 | £100,058 | -9.6% | Med | Feasible |
| Council lease | 5.79% | -£58 | £100,058 | -0.3% | Low | Feasible |
| Refurb & refinance | 10.11% | +£387 | £119,841 | 26.3% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £283,241 | 2% | Med | Feasible |
| Rent by the room | 12.10% | -£37 | £100,058 | 10.7% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Northampton · cap £1,157/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Northampton
- LHA monthly cap:
- £1,157
- Scheme type:
- leasing
- Premium:
- +0% 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 impact
Local lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
-£344/mo cash flow vs Rent it out if converted to Rent by the room
12.00% Return before costs on price converted vs 10.11% as-is
As-is Rent it out
Monthly profit+£405
Return before costs on price10.11%
Cash needed£71,898
If converted to Rent by the room
Monthly profit+£61
Return before costs on price12.00%
Cash needed£87,898
Δ vs Rent it out Monthly profit-£344
Show conversion detail
Conversion cost estimate
£30,000
Range: £24,000 – £38,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 83% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 50m (below threshold)
- local council HMO approval rate 83% (446 decisions)
≈0.0% within 50 m vs 10% policy
£55,290–£103,780full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£4,680–£8,190
- Replumb£3,510–£7,020
- Windows£11,700–£21,060
- Paint + decor£8,190–£15,210
- Flooring£12,870–£24,570
Comparables
sold within 0.5 miWide · CV 13.4%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Local HMO policy & concentration
≈0.0% within 50 m vs 10% policy
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodBarry Primary SchoolPrimary · Community school · NN1 5JS
- GoodVernon Terrace Primary SchoolPrimary · Community school · NN1 5HE
- Not ratedWiEducate LTDNot applicable · Special post 16 institution · NN1 5PT
- Not ratedNorthampton School for BoysSecondary · Academy converter · NN1 5RT
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£24,252
Section 24 credit£0
Annual tax due£1,265
Post-tax Monthly profit annual£4,462
Exit costs
Projected sale price (5y · 2%/yr growth)£264,979
Capital gain (pre-CGT)£24,979
Sale costs (~2.5%)£6,624
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£31,572
Rates as of Oct 2024
Acquisition costs
£100,058cash neededPurchase price£240,000
Deposit (25%)£60,000
Stamp duty+5% additional-property surcharge£14,300
Refurb£19,458
Legal + survey£1,700
Mortgage fees£4,600
Total cash neededdeposit + costs (loan covers the rest)£100,058
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Welcome to this four-bedroom HMO investment property, ideally situated in the popular and well-connected area of Abington, NN1. Currently generating an annual rental income of approximately £26,000, the property presents an attractive opportunity for an established landlord looking to expand their portfolio or an investor seeking to enter the HMO market.
The accommodation is arranged to provide four generously sized double bedrooms, offering practical and comfortable living…
Floor plans
Nearby active comparables11 rentals · 5 deals
Comparable rentals
NN1 · same beds + typeMedian nearby: £585/mo · 10 of 11 already let-£1,436 vs our est
- Whitworth Road, NorthamptonLet4b£2,110/moMay 2026
- 4 Bed Family home, Louise Road, North…4b£1,250/moMay 2026
- Cowper Street, Northampton, NN1Let4b£585/moMay 2026
- Oakley Street, Northampton, NN1Let4b£465/moMay 2026
- Turner Street, Northampton, Northampt…Let4b£575/moMay 2026
- Adams Avenue, NN1Let4b£500/moMay 2026
- Artizan Road, Abington, Northampton,…Let4b£498/moMay 2026
- Oakley Street, Northampton NN1Let4b£466/moMay 2026
- Albion Place, Northampton NN1Let4b£1,850/moJun 2025
- Purser Road, Northampton NN1Let4b£1,800/moJun 2025
- Oakley Street, Northampton NN1Let4b£1,600/moJun 2025
Listing metarightmove · haart
About this listing
3 days · RightmovePrice history
5-year price trend
Monthly profit
+£387
Cash needed
£100K
Return after costs
4.64%
IRR
5.24%
Listed 3d ago
Lower Thrift Street, Northampton
terraced · 4 bed · 1 bath
£240,000
est £2,021 · 10.10% gross
1 / 10
84/100
Strong
10.10% — verify the rent + comps locally.
Monthly profit +£387/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
10.10% Return before costs — above-market
Price
£240K
11% above sold comps
Return before costs
10.10%
est rent £2,021/monot enough comparablesRange £1,520–£2,687/mo (Q1–Q3)
Bedrooms
4
1 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: £1,520–£2,687/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · £60,000
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 (£14,594–£27,241 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £180,000 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 £200K–£400K
Maintenance (£/mo)
Terraced: £50/mo proxy (shared structure)
Leasehold costs
Result · Rent it out
Monthly profit
+£387
after mortgage, operating costs & tax
Rent in£2,021/mo gross
£1,943/mo collected · £78/mo lost to voids
Where it goes
£975Mortgage£491Costs£387Your profit
£387/mo left as profit · 20% of rent kept
Mortgage£975
Costs£491
Management£202
Maintenance£50
Insurance£28
CapEx reserve£101
Voids + council tax£6
Ltd co. accounts£104
Tax£91
Profit+£387
Returns
Return before costs on price10.11%
Cash return on cash4.64%
Gross margin£1,452
Cash needed£100,058
Monthly profit payback21y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.99
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Northampton · cap £1,157/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Northampton
- LHA monthly cap:
- £1,157
- Scheme type:
- leasing
- Premium:
- +0% 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 | £24,252 | £5,892 | £11,700 | £0 | £1,265 | £5,395 | £5,395 |
| Year 2 | £24,980 | £6,069 | £11,700 | £0 | £1,370 | £5,841 | £11,236 |
| Year 3 | £25,729 | £6,251 | £11,700 | £0 | £1,478 | £6,300 | £17,537 |
| Year 4 | £26,501 | £6,438 | £11,700 | £0 | £1,589 | £6,774 | £24,310 |
| Year 5 | £27,296 | £6,631 | £11,700 | £0 | £1,703 | £7,262 | £31,572 |
Rent by the room upside
What we verified
5007
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedAlready licensed
TenureTenure typeFreehold
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 / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 13.4%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,340
Annual rental tax£1,088
CGT yr 5£0 · company level
5y net total£31,572
Acquisition costs
25% deposit£60,000
Stamp duty£14,300
Refurb£19,458
Legal + survey£1,700
Mortgage + broker£4,600
Cash needed£100,058
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
Welcome to this four-bedroom HMO investment property, ideally situated in the popular and well-connected area of Abington, NN1. Currently generating an annual rental income of approximately £26,000, the property presents an attractive opportunity for an established landlord looking to expand their portfolio or an investor seeking to enter the HMO market.
The accommodation is arranged to provide four generously sized double bedrooms, offering practical and comfortable living…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice