Cambridge · N20 9QU · 2-bed
High Road, Whetstone, N20
© OpenStreetMap · click to open in maps
Asking price
£400,000
£525/sqft
Verdict
Overpriced by £96,816 vs 2-bed homes nearby
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£2,300/mo
6.9% gross yield
Open-market tenant on a 12-month AST.
LHA / Section 8
£1,396/mo
4.2% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£1,187/mo
3.6% 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
6.9% 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
£7,500
2nd home / BTL
£27,500
Mortgage @ 75% LTV
- Loan
- £300,000
- Deposit
- £100,000
- Per month
- £1,842
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £127,500
Should you pay this?
Asking price is roughly £96,816 above what 2-bed homes typically go for here.
You're paying £400,000. Comparable 2-bed homes in this area suggest a market price of around £303,184.
Contains HM Land Registry data © Crown copyright and database right.
What it'd rent for
£2,300/month6.9% gross yield
Based on 792 live rentals in Cambridge · 2-bed homes here average £1,809/mo.
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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Loading nearby sold…
5-year price trend
Crime risk
Flood risk
Schools & Ofsted
No schools indexed yet for this postcode sector. The official sources below cover every UK postcode.
Catchments aren't published nationally; many schools use distance-from-school as the deciding factor. The links above give you the official data — only the local authority can confirm a specific year's catchment boundary.
Contains public sector information licensed under the Open Government Licence v3.0.
Area pulse
- 31,087 new listings here in the last month — good comparable supply.
- Inside an Article 4 area — HMO conversion needs planning consent (don't assume you can split it).
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