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Year 5 disposal
BMV -7%
⊞ View all 22
4/ 100
Weak
4.56% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- Priced below market -7% vs 12 nearby sold (last 12 mo) — instant equity
Why to be cautious
- Monthly profit −£483/mo — significantly negative — real recurring drain
- -7.0% 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
−£483/mo
You top up £483/mo
Price vs market
Below market value
-7% vs 12 sold · interior unseen
Return · IRR
-7.0%/yr
Loses money over 5 years
Cash left in
£70K
Stays in after refinancing at value
Price £250KCash to buy £85KReturn before costs on price 4.56%5-yr return on cash -29%Rent est. £949 (£897–£1,004)
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: £897–£1,004/mo · n=73
Financing
DepositYour cash in — the rest is the mortgage25% · £62,488
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £187,462.5 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£483
after mortgage, operating costs & tax
Rent in£949/mo gross
£913/mo collected · £37/mo lost to voids
Where it goes
£1,015Mortgage£380Costs
Outgoings exceed rent — you top up £483/mo
Mortgage£1,015
Costs£380
Management£95
Maintenance£100
Insurance£28
CapEx reserve£47
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£483
Returns
Return before costs on price4.56%
Cash return on cash-6.80%
Gross margin£532
Cash needed£85,284
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.90
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 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 | £11,388 | £4,562 | £12,185 | £0 | £0 | -£5,359 | -£5,359 |
| Year 2 | £11,730 | £4,699 | £12,185 | £0 | £0 | -£5,154 | -£10,514 |
| Year 3 | £12,082 | £4,840 | £12,185 | £0 | £0 | -£4,944 | -£15,457 |
| Year 4 | £12,444 | £4,985 | £12,185 | £0 | £0 | -£4,726 | -£20,184 |
| Year 5 | £12,817 | £5,135 | £12,185 | £0 | £0 | -£4,503 | -£24,686 |
Disposal gain (gross)£1,069
CGT£203
Net Disposal proceeds£268,863
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
Uncertain36% likely
Confidence: low
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 20% (10 decisions)
- NOTE: council HMO concentration policy not curated — the modal English policy (10% within 100m) is shown as an indication, not this council's adopted threshold
- 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 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.
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 cohortFY4 1QN · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Lancaster University · 30.6 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 · 990 sqft
£25k–£49k
£ per sqft
building cost only
£25–£49
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 1 × bathroom · Full strip + retile£3,325–£6,650
- Paint + decor£6,930–£12,870
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£10,890–£20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
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 history1d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£213,500 in 2005 → £249,950 asking
+17.1%in 21y
- 2005£213,500—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Council lease wins — -£441/mo · £42/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 | 4.56% | -£483 | £85,284 | -28.9% | Low | Feasible |
| Housing-benefit rent | 2.99% | -£790 | £85,284 | -51.0% | Med | Feasible |
| ⭐ Council lease | 4.56% | -£441 | £85,284 | -28.5% | Low | Feasible |
| Refurb & refinance | 4.56% | -£483 | £98,321 | -25.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£232 | £268,537 | 10% | Med | Feasible |
| Rent by the room | 7.16% | -£658 | £85,284 | -36.0% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Fylde Coast · cap £623/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Fylde Coast
- LHA monthly cap:
- £623
- Scheme type:
- none
- Premium:
- +1000% 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
+£439/mo cash flow vs Rent it out if converted to Rent by the room
11.52% Return before costs on price converted vs 4.56% as-is
As-is Rent it out
Monthly profit-£409
Return before costs on price4.56%
Cash needed£74,386
If converted to Rent by the room
Monthly profit+£29
Return before costs on price11.52%
Cash needed£90,386
Δ vs Rent it out Monthly profit+£439
Show conversion detail
Conversion cost estimate
£48,000
Range: £42,000 – £56,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Uncertain · 36% 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 20% (10 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.
£48,990–£92,080full refurb + room split
What's in this cost
- Kitchen£8,640–£17,280
- 1 × bathroom£5,700–£10,450
- Rewire£3,960–£6,930
- Replumb£2,970–£5,940
- Windows£9,900–£17,820
- Paint + decor£6,930–£12,870
- Flooring£10,890–£20,790
Comparables
sold within 0.5 miWide · CV 23.9%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score100 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Article 4 Direction - C3 to C4 HMO
≈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.
Schools & catchment2 schools nearby
Nearby schoolsOfsted-rated, nearest first2 of 5
- GoodArmfield AcademyAll-through · Free schools · FY4 1TL
- Not ratedThames Primary AcademyPrimary · Academy converter · FY4 1EE
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£11,388
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£5,797
Exit costs
Projected sale price (5y · 2%/yr growth)£275,965
Capital gain (pre-CGT)£26,015
Sale costs (~2.5%)£6,899
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-£24,686
Rates as of Oct 2024
Acquisition costs
£85,284cash neededPurchase price£249,950
Deposit (25%)£62,488
Stamp duty+5% additional-property surcharge£14,997
Refurb£1,350
Legal + survey£1,700
Mortgage fees£4,749
Total cash neededdeposit + costs (loan covers the rest)£85,284
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
EXTENDED 3 BEDROOM DETACHED HOUSE, DRIVEWAY AND GARAGE (THIS HAS A BRAND NEW FLAT ROOF), LOUNGE, DINING ROOM, CONSERVATORY, KITCHEN, UTILITY ROOM, GROUND FLOOR W/C, 3 BEDS, BATHROOM, SOUTH FACING REAR GARDEN... Unique Estate Agency are delighted to bring this detached home to the open market
Welcome to Harrowside, this detached property is located in a highly sought after area in South Shore, it is perfectly positioned for the sea front, local amenities on both Highfield R…
Floor plans
Listing metarightmove · Unique Estate Agency Ltd
About this listing
1 days · RightmovePrice history
5-year price trend
Monthly profit
−£483
Cash needed
£85K
Return after costs
-6.80%
IRR
-6.97%
Listed 1d ago
Harrowside, Blackpool, FY4
detached · 3 bed · 1 bath
£249,950
est £949 · 4.56% gross
Priced below market
1 / 22
4/100
Marginal
4.56% — verify the rent + comps locally.
Priced below market -7% vs 12 nearby sold (last 12 mo)
Price
£250K
7% below sold comps
Return before costs
4.56%
est rent £949/monot enough comparablesRange £897–£1,004/mo (Q1–Q3)
Bedrooms
3
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: £897–£1,004/mo · n=73
Financing
DepositYour cash in — the rest is the mortgage25% · £62,488
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £187,462.5 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)
Detached: £100/mo proxy (more roof + grounds)
Leasehold costs
Result · Rent it out
Monthly profit
-£483
after mortgage, operating costs & tax
Rent in£949/mo gross
£913/mo collected · £37/mo lost to voids
Where it goes
£1,015Mortgage£380Costs
Outgoings exceed rent — you top up £483/mo
Mortgage£1,015
Costs£380
Management£95
Maintenance£100
Insurance£28
CapEx reserve£47
Voids + council tax£6
Ltd co. accounts£104
Tax—
Shortfall−£483
Returns
Return before costs on price4.56%
Cash return on cash-6.80%
Gross margin£532
Cash needed£85,284
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.90
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Fylde Coast · cap £623/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Fylde Coast
- LHA monthly cap:
- £623
- Scheme type:
- none
- Premium:
- +1000% 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 | £11,388 | £4,562 | £12,185 | £0 | £0 | -£5,359 | -£5,359 |
| Year 2 | £11,730 | £4,699 | £12,185 | £0 | £0 | -£5,154 | -£10,514 |
| Year 3 | £12,082 | £4,840 | £12,185 | £0 | £0 | -£4,944 | -£15,457 |
| Year 4 | £12,444 | £4,985 | £12,185 | £0 | £0 | -£4,726 | -£20,184 |
| Year 5 | £12,817 | £5,135 | £12,185 | £0 | £0 | -£4,503 | -£24,686 |
Rent by the room upside
What we verified
5007
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▾
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 23.9%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,437
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£24,686
Acquisition costs
25% deposit£62,488
Stamp duty£14,997
Refurb£1,350
Legal + survey£1,700
Mortgage + broker£4,749
Cash needed£85,284
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
EXTENDED 3 BEDROOM DETACHED HOUSE, DRIVEWAY AND GARAGE (THIS HAS A BRAND NEW FLAT ROOF), LOUNGE, DINING ROOM, CONSERVATORY, KITCHEN, UTILITY ROOM, GROUND FLOOR W/C, 3 BEDS, BATHROOM, SOUTH FACING REAR GARDEN... Unique Estate Agency are delighted to bring this detached home to the open market
Welcome to Harrowside, this detached property is located in a highly sought after area in South Shore, it is perfectly positioned for the sea front, local amenities on both Highfield R…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice