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Year 5 disposal
BMV -26%
⊞ View all 16
92/ 100
Strong
8.41% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- 8.41% return before costs — above-market
- Priced below market -26% vs 12 nearby sold (last 12 mo) — instant equity
- Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
- EPC D — must hit C by 2030 (~£3,000–£7,000)
- 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
+£96/mo
Barely breaks even each month
Price vs market
Below market value
-26% vs 12 sold · interior unseen
Return · IRR
1.7%/yr
Modest annualised return
Cash left in
£42K
Stays in after refinancing at value
Price £200KCash to buy £95KReturn before costs on price 8.41%5-yr return on cash 12%Rent est. £1,401 (£1,333–£1,472)
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: £1,333–£1,472/mo · n=27
Financing
DepositYour cash in — the rest is the mortgage25% · £50,000
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 (£20,710–£38,658 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £150,000 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£96
after mortgage, operating costs & tax
Rent in£1,401/mo gross
£1,347/mo collected · £54/mo lost to voids
Where it goes
£813Mortgage£416Costs
£96/mo left as profit · 7% of rent kept
Mortgage£813
Costs£416
Management£140
Maintenance£67
Insurance£28
CapEx reserve£70
Voids + council tax£7
Ltd co. accounts£104
Tax£23
Profit+£96
Returns
Return before costs on price8.41%
Cash return on cash1.21%
Gross margin£931
Cash needed£94,813
Monthly profit payback82y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.66
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 | £16,812 | £4,997 | £9,750 | £0 | £392 | £1,673 | £1,673 |
| Year 2 | £17,316 | £5,147 | £9,750 | £0 | £460 | £1,960 | £3,633 |
| Year 3 | £17,836 | £5,301 | £9,750 | £0 | £529 | £2,256 | £5,889 |
| Year 4 | £18,371 | £5,460 | £9,750 | £0 | £601 | £2,560 | £8,448 |
| Year 5 | £18,922 | £5,624 | £9,750 | £0 | £674 | £2,874 | £11,323 |
Disposal gain (gross)-£25,517
CGT£0
Net Disposal proceeds£215,296
What we verified
What we verified
51065 ok · 1 caution · 0 fail · 6 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
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 ratingD
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand D
MEES 2030 compliance
C required for new tenancies
FAIL
Upgrade to C
estimated cost
£3k–£7k
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 cohortSK1 4HX · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Manchester · 9.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
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
3-bed · 1-bath · 614 sqft
£18k–£36k
£ per sqft
building cost only
£30–£59
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£4,298–£7,982
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£6,754–£12,894
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
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 history2d on marketno cuts yet
Strategy matrix
Council lease wins — +£259/mo · £163/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 8.41% | +£96 | £94,813 | 11.9% | Low | Feasible |
| Housing-benefit rent | 5.39% | -£350 | £94,813 | -15.7% | Med | Feasible |
| ⭐ Council lease | 8.41% | +£259 | £94,813 | 20.0% | Low | Feasible |
| Refurb & refinance | 8.41% | +£96 | £115,858 | 9.8% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£199 | £251,858 | -4% | Med | Feasible |
| Rent by the room | 10.80% | -£204 | £94,813 | -1.2% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Southern Greater Manchester · cap £898/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Southern Greater Manchester
- LHA monthly cap:
- £898
- Scheme type:
- other
- Premium:
- +800% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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
+£64/mo cash flow vs Rent it out if converted to Rent by the room
14.40% Return before costs on price converted vs 8.41% as-is
As-is Rent it out
Monthly profit+£124
Return before costs on price8.41%
Cash needed£61,898
If converted to Rent by the room
Monthly profit+£187
Return before costs on price14.40%
Cash needed£77,898
Δ vs Rent it out Monthly profit+£64
Show conversion detail
Conversion cost estimate
£52,800
Range: £46,200 – £61,600
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£38,048–£72,001full refurb + room split
What's in this cost
- Kitchen£9,180–£18,360
- 1 × bathroom£6,150–£11,275
- Rewire£2,456–£4,298
- Replumb£1,842–£3,684
- Windows£6,140–£11,052
- Paint + decor£4,912–£9,210
- Flooring£7,368–£14,122
Comparables
sold within 0.5 miWide · CV 20.3%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodBanks Lane Infant SchoolPrimary · Community school · SK1 4PR
- GoodBanks Lane Junior SchoolPrimary · Community school · SK1 4PR
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£16,812
Section 24 credit£0
Annual tax due£392
Post-tax Monthly profit annual£1,027
Exit costs
Projected sale price (5y · 2%/yr growth)£220,816
Capital gain (pre-CGT)£20,816
Sale costs (~2.5%)£5,520
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£11,323
Rates as of Oct 2024
Acquisition costs
£94,813cash neededPurchase price£200,000
Deposit (25%)£50,000
Stamp duty+5% additional-property surcharge£11,500
Refurb£27,613
Legal + survey£1,700
Mortgage fees£4,000
Total cash neededdeposit + costs (loan covers the rest)£94,813
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Being sold with no onward chain, a three bedroom semi-detached property on Rayner Street, Offerton. Requiring modernisation throughout, the property offers potential for a new owner to put their own stamp on the property. With space to extend at the rear (subject to relevant planning permissions).
Comprising of; entrance hallway, open plan living/dining space, kitchen to the rear with access out to the garden.
Upstairs two well pro-portioned bedrooms, third single bedroom,…
Floor plans
Nearby active comparables2 rentals
Comparable rentals
SK1 · same beds + typeMedian nearby: £1,275/mo · 1 of 2 already let-£126 vs our est
- The Quadrant, StockportLet3b£1,250/moMay 2026
- Spinner Street, Stockport, SK13b£1,300/moMay 2026
Other deals nearby
SK1 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metarightmove · Julian Wadden
About this listing
2 days · RightmovePrice history
5-year price trend
Monthly profit
+£96
Cash needed
£95K
Return after costs
1.21%
IRR
1.72%
Listed 2d ago
Rayner Street, Offerton, Stockport, SK1
semi-detached · 3 bed · 1 bath · 614 sqft
£200,000
est £1,401 · 8.41% gross
EPC D
Priced below market
1 / 16
92/100
Strong
8.41% — verify the rent + comps locally.
Priced below market -26% vs 12 nearby sold (last 12 mo)
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.41% Return before costs — above-market
Energy rating D — must hit C by 2030 (~£3,000–£7,000)
Price
£200K
26% below sold comps
Return before costs
8.41%
est rent £1,401/monot enough comparablesRange £1,333–£1,472/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
D
Energy rating
Deal flags1 issue
EPC D — upgrade by 2030
Must reach EPC C by 2030 to let on a new tenancy
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: £1,333–£1,472/mo · n=27
Financing
DepositYour cash in — the rest is the mortgage25% · £50,000
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 (£20,710–£38,658 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £150,000 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)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
+£96
after mortgage, operating costs & tax
Rent in£1,401/mo gross
£1,347/mo collected · £54/mo lost to voids
Where it goes
£813Mortgage£416Costs
£96/mo left as profit · 7% of rent kept
Mortgage£813
Costs£416
Management£140
Maintenance£67
Insurance£28
CapEx reserve£70
Voids + council tax£7
Ltd co. accounts£104
Tax£23
Profit+£96
Returns
Return before costs on price8.41%
Cash return on cash1.21%
Gross margin£931
Cash needed£94,813
Monthly profit payback82y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress1.66
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA Southern Greater Manchester · cap £898/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Southern Greater Manchester
- LHA monthly cap:
- £898
- Scheme type:
- other
- Premium:
- +800% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- landlord pays agent (typical 10%)
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 | £16,812 | £4,997 | £9,750 | £0 | £392 | £1,673 | £1,673 |
| Year 2 | £17,316 | £5,147 | £9,750 | £0 | £460 | £1,960 | £3,633 |
| Year 3 | £17,836 | £5,301 | £9,750 | £0 | £529 | £2,256 | £5,889 |
| Year 4 | £18,371 | £5,460 | £9,750 | £0 | £601 | £2,560 | £8,448 |
| Year 5 | £18,922 | £5,624 | £9,750 | £0 | £674 | £2,874 | £11,323 |
Rent by the room upside
What we verified
5106
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPC~£3,000–£7,000 to upgrade to CD
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 20.3%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,950
Annual rental tax£270
CGT yr 5£0 · company level
5y net total£11,323
Acquisition costs
25% deposit£50,000
Stamp duty£11,500
Refurb£27,613
Legal + survey£1,700
Mortgage + broker£4,000
Cash needed£94,813
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
Being sold with no onward chain, a three bedroom semi-detached property on Rayner Street, Offerton. Requiring modernisation throughout, the property offers potential for a new owner to put their own stamp on the property. With space to extend at the rear (subject to relevant planning permissions).
Comprising of; entrance hallway, open plan living/dining space, kitchen to the rear with access out to the garden.
Upstairs two well pro-portioned bedrooms, third single bedroom,…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice