-10.8% 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.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£1K/mo
You top up £1K/mo
Price
£450K
No local sold comps to compare
Return · IRR
-10.8%/yr
Loses money over 5 years
Cash to get in
£159K
Deposit + fees + refurb
Return before costson price2.57%5-yr return on cash -45%Rent est. £965 (£827–£1,126)
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: £827–£1,126/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · £112,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £337,500 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.
Total cash neededdeposit + costs (loan covers the rest)£158,750
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Situated on a CORNER PLOT within walking distance to the CITY CENTRE is this immaculately presented semi detached home boasting a 57' WRAP-AROUND REAR GARDEN with OUTSIDE OFFICE & WC, entrance hall, lounge and separate DINING ROOM, REFITTED KITCHEN & BATHROOM, three good-sized bedrooms, driveway parking for 3-4 CARS and space/potential to extend (stpp). Within walking distance to local schooling, shops/amenities and Chelmsford's mainline station. Contact Hamilton Piers of Spr…
Arbour Lane, Old Springfield/Nr City Centre, Chelmsford
not specified
£450,000
est £965 · 2.57% gross
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0/100
Marginal
2.57% — verify the rent + comps locally.
2.57% Return before costs — around the area average for this property type.
Monthly profit −£1,263/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£450K
Return before costs
2.57%
est rent £965/monot enough comparablesRange £827–£1,126/mo (Q1–Q3)
Bedrooms
0
0 bath
Energy rating
—
Energy rating
Run the numbers
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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: £827–£1,126/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · £112,500
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 (£1,013–£1,890 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,400 legal + £750 survey
Mortgage fees (£)
2% product fee on £337,500 loan + £1,000 booking fee
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 100/100
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PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£4,388
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£71,334
Acquisition costs
£159K
25% deposit£112,500
Stamp duty£35,000
Refurb£1,350
Legal + survey£2,150
Mortgage + broker£7,750
Cash needed£158,750
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyRightmove
Situated on a CORNER PLOT within walking distance to the CITY CENTRE is this immaculately presented semi detached home boasting a 57' WRAP-AROUND REAR GARDEN with OUTSIDE OFFICE & WC, entrance hall, lounge and separate DINING ROOM, REFITTED KITCHEN & BATHROOM, three good-sized bedrooms, driveway parking for 3-4 CARS and space/potential to extend (stpp). Within walking distance to local schooling, shops/amenities and Chelmsford's mainline station. Contact Hamilton Piers of Spr…