Priced below market -43% vs 12 nearby sold (last 12 mo) — instant equity
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
EPC C — MEES compliant
Why to be cautious
Service charge unknown — could swing £100-300/mo
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
+£43/mo
Barely breaks even each month
Price vs market
Below market value
-43% vs 12 sold · interior unseen
Return · IRR
1.3%/yr
Modest annualised return
Cash left in
£0
Fully recycled — pull all your cash back out
Price £70KCash to buy £31KReturn before costson price14.76%5-yr return on cash 17%Rent est. £861 (£782–£948)
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 live
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: £782–£948/mo · n=115
Financing
DepositYour cash in — the rest is the mortgage25% · £17,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
3.0%9.0%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £52,500 loan + £1,000 booking fee
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£6,930–£13,230
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 history3d on marketno cuts yet
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +£43/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
14.76%
+£43
£31,467
16.8%
Low
Feasible
Housing-benefit rent
11.07%
-£164
£31,467
-20.0%
Med
Feasible
Council lease
0.00%
-£640
£31,467
-126.3%
Low
Feasible
Refurb & refinance
14.76%
+£43
£37,534
14.1%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£366
£84,484
-1%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Ready to move on this deal?
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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
+£419/mo cash flow vs Rent it out if converted to Rent by the room
41.14% Return before costs on price converted vs 14.76% as-is
As-is Rent it out
Monthly profit+£180
Return before costson price14.76%
Cash needed£29,398
If converted to Rent by the room
Monthly profit+£599
Return before costson price41.14%
Cash needed£45,398
Δ vs Rent it outMonthly profit+£419
Show conversion detail
Cannot Rent by the room:Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Planning approval likelihood
Uncertain · 59% likely
low confidence
Article 4 direction applies — planning permission required for C3->C4 HMO
no known HMOs within 100m (below threshold)
local council HMO approval rate 58% (33 decisions)
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Comparables
sold within 0.5 mi
Wide · CV 35.1%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
Article 4 Direction for Small HMOs
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Tax treatment
£445/yr kept
Annual gross rent£10,332
Section 24 credit£0
Annual tax due£197
Post-tax Monthly profitannual£445
Exit costs
£5,290 after CGT
Projected sale price (5y · 2%/yr growth)£77,286
Capital gain (pre-CGT)£7,286
Sale costs (~2.5%)£1,932
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£5,290
Rates as of Oct 2024
Acquisition costs
£31,467cash needed
Purchase price£70,000
Deposit (25%)£17,500
Stamp duty+5% additional-property surcharge£3,500
Refurb£6,417
Legal + survey£2,000
Mortgage fees£2,050
Total cash neededdeposit + costs (loan covers the rest)£31,467
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
A one-bedroom apartment situated in a purpose-built block in the town of Ipswich. The property comprises one bedroom, one bathroom, a reception room, a kitchen and a balcony. The property requires redecoration.
All services/appliances have not, and will not be tested.
Location:
The property is situated on Stoke Quay in Ipswich, within close proximity to local shops, waterfront dining, and everyday amenities. Ipswich town centre lies within a short walking distance to the n…
Priced below market -43% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
14.76% Return before costs — above-market
Price
£70K
43% below sold comps
Return before costs
14.76%
est rent £861/monot enough comparablesRange £782–£948/mo (Q1–Q3)
Bedrooms
1
1 bath
Energy rating
C
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
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: £782–£948/mo · n=115
Financing
DepositYour cash in — the rest is the mortgage25% · £17,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.5%
3.0%9.0%
5-year fixed (market average) — 5.50% (as of 2026-05).
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 (£4,813–£8,984 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £52,500 loan + £1,000 booking fee
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
£10,332
£6,012
£3,281
£0
£197
£842
£842
Year 2
£10,642
£6,192
£3,281
£0
£222
£947
£1,789
Year 3
£10,961
£6,378
£3,281
£0
£247
£1,055
£2,844
Year 4
£11,290
£6,569
£3,281
£0
£274
£1,166
£4,009
Year 5
£11,629
£6,766
£3,281
£0
£300
£1,281
£5,290
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Gross Rent by the room yield—
What we verified
12 total
3306
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedN/A
TenureTenure typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCEnergy efficiency ratingC
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 35.1%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£656
Annual rental tax£122
CGT yr 5£0 · company level
5y net total£5,290
Acquisition costs
£31K
25% deposit£17,500
Stamp duty£3,500
Refurb£6,417
Legal + survey£2,000
Mortgage + broker£2,050
Cash needed£31,467
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
A one-bedroom apartment situated in a purpose-built block in the town of Ipswich. The property comprises one bedroom, one bathroom, a reception room, a kitchen and a balcony. The property requires redecoration.
All services/appliances have not, and will not be tested.
Location:
The property is situated on Stoke Quay in Ipswich, within close proximity to local shops, waterfront dining, and everyday amenities. Ipswich town centre lies within a short walking distance to the n…