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Year 5 disposal
⊞ View all 15
0/ 100
Weak
5.04% return before costs — market rent unverified, verify rent + comps locally.
Why it works
- EPC B — MEES compliant
Why to be cautious
- Service charge unknown — could swing £100-300/mo
- Monthly profit −£654/mo — heavily negative — needs monthly capital injection
- -5.9% 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
−£654/mo
You top up £654/mo
Price
£365K
No local sold comps to compare
Return · IRR
-5.9%/yr
Loses money over 5 years
Cash to get in
£144K
Deposit + fees + refurb
Return before costs on price 5.04%5-yr return on cash -22%Rent est. £1,534 (£1,045–£2,252)
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: £1,045–£2,252/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · £91,250
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 (£13,223–£24,682 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £273,750 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
-£654
after mortgage, operating costs & tax
Rent in£1,534/mo gross
£1,475/mo collected · £59/mo lost to voids
Where it goes
£1,483Mortgage£646Costs
Outgoings exceed rent — you top up £654/mo
Mortgage£1,483
Costs£646
Management£153
Maintenance£100
Insurance£28
CapEx reserve£77
Voids + council tax£9
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£654
Returns
Return before costs on price5.04%
Cash return on cash-5.44%
Gross margin£829
Cash needed£144,380
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.99
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 | £18,408 | £7,755 | £17,794 | £0 | £0 | -£7,141 | -£7,141 |
| Year 2 | £18,960 | £7,988 | £17,794 | £0 | £0 | -£6,821 | -£13,962 |
| Year 3 | £19,529 | £8,227 | £17,794 | £0 | £0 | -£6,492 | -£20,455 |
| Year 4 | £20,115 | £8,474 | £17,794 | £0 | £0 | -£6,153 | -£26,608 |
| Year 5 | £20,718 | £8,729 | £17,794 | £0 | £0 | -£5,804 | -£32,412 |
Disposal gain (gross)-£18,740
CGT£0
Net Disposal proceeds£392,915
What we verified
What we verified
42064 ok · 2 caution · 0 fail · 6 unknown
Legal & planning
LeaseholdLeasehold
Tenure & planningLeasehold
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
Likely approvable72% likely
Confidence: high
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 73% (291 decisions)
- this council refuses HMOs that would sandwich a family home between two HMOs — check both adjoining properties
- HMO count from this council's licensed-HMO register (a lower bound: non-licensable 3-4 person C4s are not on it)
Rent by the room concentration nearby
≈0.0% within 100 m vs 10% policy
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 ratingB
EPC& 2030 deadlineEPC register
▼
ABCDEFG
Current rating
From listing descriptionBand B
MEES 2030 compliance
C required for new tenancies
PASS
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 cohortM28 3YB · 3 bed
Primary profile
Family let
Nearest university
for student-let assessment
Manchester Metropolitan · 12.6 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 · 2-bath · 990 sqft
£28k–£56k
£ per sqft
building cost only
£29–£56
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£3,840–£8,640
- 2 × bathroom · Full strip + retile£6,650–£13,300
- 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
£249,995 in 2017 → £365,000 asking
+46.0%in 9y
- 2017£249,995—
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 — -£433/mo · £221/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 | 5.04% | -£654 | £144,380 | -22.4% | Low | Feasible |
| Housing-benefit rent | 3.11% | -£1,195 | £144,380 | -45.7% | Med | Feasible |
| ⭐ Council lease | 5.04% | -£433 | £144,380 | -15.3% | Low | Feasible |
| Refurb & refinance | 5.04% | -£654 | £169,682 | -19.1% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£407 | £418,707 | 4% | Med | Feasible |
| Rent by the room | 6.12% | -£1,065 | £144,380 | -36.8% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA Central Greater Manchester · cap £947/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Central Greater Manchester
- LHA monthly cap:
- £947
- Scheme type:
- other
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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
-£29/mo cash flow vs Rent it out if converted to Rent by the room
7.89% Return before costs on price converted vs 5.04% as-is
As-is Rent it out
Monthly profit-£384
Return before costs on price5.04%
Cash needed£103,148
If converted to Rent by the room
Monthly profit-£413
Return before costs on price7.89%
Cash needed£119,148
Δ vs Rent it out Monthly profit-£29
Show conversion detail
Conversion cost estimate
£48,400
Range: £41,800 – £57,200
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Likely approvable · 72% likely
high confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 73% (291 decisions)
≈0.0% within 100 m vs 10% policy
£62,180–£116,810full refurb + room split
What's in this cost
- Kitchen£9,180–£18,360
- 2 × bathroom£12,300–£22,550
- Rewire£4,400–£7,700
- Replumb£3,300–£6,600
- Windows£11,000–£19,800
- Paint + decor£8,800–£16,500
- Flooring£13,200–£25,300
Comparables
sold within 0.5 miLoading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
2024 HMO Article 4 Direction
≈0.0% within 100 m vs 10% policy
Schools & catchment4 schools nearby
Nearby schoolsOfsted-rated, nearest first4 of 5
- GoodSt Paul's CofE Primary SchoolPrimary · Voluntary aided school · M28 3HP
- Requires improvementNorth Walkden Primary SchoolPrimary · Community school · M28 3QD
- Not ratedChrist The King RC Primary SchoolPrimary · Voluntary aided school · M28 3DW
- Not ratedSt Paul's CofE Primary SchoolPrimary · Voluntary controlled school · M28 3NZ
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£18,408
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£7,849
Exit costs
Projected sale price (5y · 2%/yr growth)£402,989
Capital gain (pre-CGT)£37,989
Sale costs (~2.5%)£10,075
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-£32,412
Rates as of Oct 2024
Acquisition costs
£144,380cash neededPurchase price£365,000
Deposit (25%)£91,250
Stamp duty+5% additional-property surcharge£26,500
Refurb£17,630
Legal + survey£2,525
Mortgage fees£6,475
Total cash neededdeposit + costs (loan covers the rest)£144,380
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
Extended This stunning, detached family home has an additional, fantastic size family room across the rear! Offering versatile living space for modern families, this property is ready to just move straight into!
Featuring an entrance hall with storage and downstairs WC, spacious front lounge, the modern fitted kitchen diner with breakfast bar and integrated appliances and the excellent family room across the back adding a reception room overlooking the garden. To the first f…
Floor plans
Listing metarightmove · Your Move
About this listing
1 days · RightmovePrice history
5-year price trend
Monthly profit
−£654
Cash needed
£144K
Return after costs
-5.44%
IRR
-5.90%
Listed 1d ago
Bullbridge View, Worsley, Salford, M28
detached · 3 bed · 2 bath
£365,000
est £1,534 · 5.04% gross
EPC B
1 / 15
0/100
Marginal
5.04% — verify the rent + comps locally.
5.04% Return before costs — around the area average for this property type.
Monthly profit −£654/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Energy rating B — Min. energy standard 2030 compliant.
Price
£365K
Return before costs
5.04%
est rent £1,534/monot enough comparablesRange £1,045–£2,252/mo (Q1–Q3)
Bedrooms
3
2 bath
Energy rating
B
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: £1,045–£2,252/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · £91,250
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 (£13,223–£24,682 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,875 legal + £650 survey
Mortgage fees (£)
2% product fee on £273,750 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
-£654
after mortgage, operating costs & tax
Rent in£1,534/mo gross
£1,475/mo collected · £59/mo lost to voids
Where it goes
£1,483Mortgage£646Costs
Outgoings exceed rent — you top up £654/mo
Mortgage£1,483
Costs£646
Management£153
Maintenance£100
Insurance£28
CapEx reserve£77
Voids + council tax£9
Service charge + ground rent£175
Ltd co. accounts£104
Tax—
Shortfall−£654
Returns
Return before costs on price5.04%
Cash return on cash-5.44%
Gross margin£829
Cash needed£144,380
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.99
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA Central Greater Manchester · cap £947/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- Central Greater Manchester
- LHA monthly cap:
- £947
- Scheme type:
- other
- Premium:
- +1000% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
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 | £18,408 | £7,755 | £17,794 | £0 | £0 | -£7,141 | -£7,141 |
| Year 2 | £18,960 | £7,988 | £17,794 | £0 | £0 | -£6,821 | -£13,962 |
| Year 3 | £19,529 | £8,227 | £17,794 | £0 | £0 | -£6,492 | -£20,455 |
| Year 4 | £20,115 | £8,474 | £17,794 | £0 | £0 | -£6,153 | -£26,608 |
| Year 5 | £20,718 | £8,729 | £17,794 | £0 | £0 | -£5,804 | -£32,412 |
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 typeLeasehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCEnergy efficiency ratingB
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 miLoading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£3,559
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£32,412
Acquisition costs
25% deposit£91,250
Stamp duty£26,500
Refurb£17,630
Legal + survey£2,525
Mortgage + broker£6,475
Cash needed£144,380
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 This stunning, detached family home has an additional, fantastic size family room across the rear! Offering versatile living space for modern families, this property is ready to just move straight into!
Featuring an entrance hall with storage and downstairs WC, spacious front lounge, the modern fitted kitchen diner with breakfast bar and integrated appliances and the excellent family room across the back adding a reception room overlooking the garden. To the first f…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice