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Year 5 disposal
BMV -49%
⊞ View all 11
16/ 100
Weak
No rent data on file — verify locally before offering.
Why it works
- Monthly profit +£468/mo from completion — the no.1 reason to invest
- Priced below market -49% vs 12 nearby sold (last 12 mo) — instant equity
- 7.3% 5y IRR — strong total return on capital
- 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
+£468/mo
Pays you every month, net of costs
Price vs market
Below market value
-49% vs 12 sold · interior unseen
Return · IRR
7.3%/yr
Modest annualised return
Cash left in
£0
Fully recycled — pull all your cash back out
Price £210KCash to buy £86K5-yr return on cash 42%Rent est. £1,995 (£1,900–£1,995)
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: £1,900–£1,995/mo · n=3
Financing
DepositYour cash in — the rest is the mortgage25% · £52,500
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £157,500 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
+£468
after mortgage, operating costs & tax
Rent in£1,995/mo gross
£1,918/mo collected · £77/mo lost to voids
Where it goes
£853Mortgage£487Costs£468Your profit
£468/mo left as profit · 24% of rent kept
Mortgage£853
Costs£487
Management£200
Maintenance£50
Insurance£28
CapEx reserve£100
Voids + council tax£6
Ltd co. accounts£104
Tax£110
Profit+£468
Returns
Return before costs on price11.40%
Cash return on cash6.56%
Gross margin£1,431
Cash needed£85,661
Monthly profit payback15y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.25
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 | £23,940 | £5,845 | £10,238 | £0 | £1,493 | £6,365 | £6,365 |
| Year 2 | £24,658 | £6,020 | £10,238 | £0 | £1,596 | £6,804 | £13,169 |
| Year 3 | £25,398 | £6,201 | £10,238 | £0 | £1,702 | £7,257 | £20,426 |
| Year 4 | £26,160 | £6,387 | £10,238 | £0 | £1,812 | £7,723 | £28,150 |
| Year 5 | £26,945 | £6,579 | £10,238 | £0 | £1,924 | £8,205 | £36,354 |
Disposal gain (gross)-£12,950
CGT£0
Net Disposal proceeds£226,061
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
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 cohortHP2 4FT · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University College London · 34 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
Strategy matrix
Rent it out wins — +£468/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 | 11.40% | +£468 | £85,661 | 42.4% | Low | Feasible |
| Housing-benefit rent | 8.55% | +£65 | £85,661 | 14.7% | Med | Feasible |
| Council lease | 0.00% | -£1,035 | £85,661 | -73.3% | Low | Feasible |
| Refurb & refinance | 11.40% | +£468 | £102,205 | 35.6% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£182 | £245,055 | 3% | Med | Feasible |
| Rent by the room | 10.29% | -£226 | £85,661 | -2.8% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA South West Herts · cap £1,496/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- South West Herts
- LHA monthly cap:
- £1,496
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
-£327/mo cash flow vs Rent it out if converted to Rent by the room
13.71% Return before costs on price converted vs 11.40% as-is
As-is Rent it out
Monthly profit+£483
Return before costs on price11.40%
Cash needed£64,398
If converted to Rent by the room
Monthly profit+£156
Return before costs on price13.71%
Cash needed£80,398
Δ vs Rent it out Monthly profit-£327
Show conversion detail
Conversion cost estimate
£60,000
Range: £52,500 – £70,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£67,470–£119,955full refurb + room split
What's in this cost
- Kitchen£9,900–£19,800
- 1 × bathroom£6,750–£12,375
- Rewire£5,775–£9,240
- Replumb£4,620–£8,085
- Windows£12,705–£21,945
- Paint + decor£11,550–£19,635
- Flooring£16,170–£28,875
Comparables
sold within 0.5 miWide · CV 22.7%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodBroadfield AcademyPrimary · Academy converter · HP2 4BX
- GoodThe Adeyfield AcademySecondary · Academy sponsor led · HP2 4DE
- Not ratedDacorum Education Support CentreNot applicable · Pupil referral unit · HP2 4HS
- Not ratedLeverstock Green Church of England Primary SchoolPrimary · Voluntary controlled school · HP2 4SA
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£23,940
Section 24 credit£0
Annual tax due£1,493
Post-tax Monthly profit annual£5,444
Exit costs
Projected sale price (5y · 2%/yr growth)£231,857
Capital gain (pre-CGT)£21,857
Sale costs (~2.5%)£5,796
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£36,354
Rates as of Oct 2024
Acquisition costs
£85,661cash neededPurchase price£210,000
Deposit (25%)£52,500
Stamp duty+5% additional-property surcharge£12,200
Refurb£15,111
Legal + survey£1,700
Mortgage fees£4,150
Total cash neededdeposit + costs (loan covers the rest)£85,661
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
This stunning home is impeccably designed to make the most of the space available: three generously sized double bedrooms, a stylish living room and separate kitchen, pristine bathroom and cloakroom as well as the convenience of a car port.
The large living room is a beautiful space and has a real warmth to the room and features double glazed French doors to the rear garden. A modern fitted kitchen stylishly designed with ample work surface and storage space.
You will strug…
Floor plans
Nearby active comparables3 rentals
Comparable rentals
HP2 · same beds + typeMedian nearby: £1,995/mo · 3 of 3 already let+£0 vs our est
- Hillary Road, Hemel Hempstead, Hertfo…Let3b£1,900/moMay 2026
- Frome Square, Hemel Hempstead, Hertfo…Let3b£1,995/moMay 2026
- Runcorn Crescent, Hemel Hempstead, He…Let3b£2,175/moDec 2025
Other deals nearby
HP2 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metarightmove · Keller Williams Oxygen
About this listing
1 days · RightmovePrice history
5-year price trend
Monthly profit
+£468
Cash needed
£86K
Return after costs
6.56%
IRR
7.25%
Listed 1d ago
Orchid Drive, Hemel Hempstead, HP2
terraced · 3 bed · 1 bath
£210,000
est £1,995
Priced below market
1 / 11
16/100
Marginal
No rent data — verify locally before offering.
Priced below market -49% vs 12 nearby sold (last 12 mo)
Monthly profit +£468/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
£210K
49% below sold comps
Return before costs
—
est rent £1,995/monot enough comparablesRange £1,900–£1,995/mo (Q1–Q3)
Bedrooms
3
1 bath
Energy rating
—
Energy rating
Deal flags1 issue
Shared ownership
Restricted resale; staircasing required
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: £1,900–£1,995/mo · n=3
Financing
DepositYour cash in — the rest is the mortgage25% · £52,500
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 (£11,333–£21,155 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £157,500 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
+£468
after mortgage, operating costs & tax
Rent in£1,995/mo gross
£1,918/mo collected · £77/mo lost to voids
Where it goes
£853Mortgage£487Costs£468Your profit
£468/mo left as profit · 24% of rent kept
Mortgage£853
Costs£487
Management£200
Maintenance£50
Insurance£28
CapEx reserve£100
Voids + council tax£6
Ltd co. accounts£104
Tax£110
Profit+£468
Returns
Return before costs on price11.40%
Cash return on cash6.56%
Gross margin£1,431
Cash needed£85,661
Monthly profit payback15y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress2.25
Rent-covers-mortgage check PASS · stress 6.5% (target 1.45)
Housing-benefit (LHA) scheme detailBRMA South West Herts · cap £1,496/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- South West Herts
- LHA monthly cap:
- £1,496
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 | £23,940 | £5,845 | £10,238 | £0 | £1,493 | £6,365 | £6,365 |
| Year 2 | £24,658 | £6,020 | £10,238 | £0 | £1,596 | £6,804 | £13,169 |
| Year 3 | £25,398 | £6,201 | £10,238 | £0 | £1,702 | £7,257 | £20,426 |
| Year 4 | £26,160 | £6,387 | £10,238 | £0 | £1,812 | £7,723 | £28,150 |
| Year 5 | £26,945 | £6,579 | £10,238 | £0 | £1,924 | £8,205 | £36,354 |
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 22.7%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,048
Annual rental tax£1,318
CGT yr 5£0 · company level
5y net total£36,354
Acquisition costs
25% deposit£52,500
Stamp duty£12,200
Refurb£15,111
Legal + survey£1,700
Mortgage + broker£4,150
Cash needed£85,661
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
This stunning home is impeccably designed to make the most of the space available: three generously sized double bedrooms, a stylish living room and separate kitchen, pristine bathroom and cloakroom as well as the convenience of a car port.
The large living room is a beautiful space and has a real warmth to the room and features double glazed French doors to the rear garden. A modern fitted kitchen stylishly designed with ample work surface and storage space.
You will strug…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice