2-bed
King Street, Stoke-on-trent, ST4
© OpenStreetMap · click to open in maps
Asking price
£65,000
£84/sqft
Verdict
Strong rental backup (13.2% gross yield)
What you could do with it
Estimated gross yields from current rental comps. Numbers are pre-cost — service, voids, mortgage, management still come off these.
Standard BTL
Best fit£715/mo
13.2% gross yield
Open-market tenant on a 12-month AST.
LHA / Section 8
£623/mo
11.5% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£530/mo
9.8% gross yield
3–5 yr guaranteed-rent lease to a housing association. Hands-off.
Who is this for?
Quick read across the buyer personas. ✅ = good fit · ⚠ = workable with caveats · ❌ = look elsewhere.
Family home
2-bed but EPC unknown — factor retrofit cost or budget for it.
Standard BTL
13.2% gross — clears typical 5%+ break-even threshold.
Buy + rent later
Rents would more than cover BTL mortgage costs if life changes.
The numbers
England (SDLT) · 75% LTV mortgage at 5.5% over 25 years (capital repayment).
Stamp duty
First-time buyer
£0
Home mover
£0
2nd home / BTL
£3,250
Mortgage @ 75% LTV
- Loan
- £48,750
- Deposit
- £16,250
- Per month
- £299
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £19,500
Should you pay this?
Asking price is in line with what 2-bed homes have been selling for nearby.
Contains HM Land Registry data © Crown copyright and database right.
What it'd rent for
£715/month13.2% gross yield
Most landlords need 5%+ gross to break even after costs in this area, so this is a decent fallback if your plans shift.
Property features
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Crime risk
Flood risk
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