Lincoln · LN11 8QJ · 7-bed
Maltby House, London Road, Raithby Cum Maltby, Louth
© OpenStreetMap · click to open in maps
Asking price
£1,150,000
Verdict
Worth a closer look — area data is mixed
Who is this for?
Quick read across the buyer personas. ✅ = good fit · ⚠ = workable with caveats · ❌ = look elsewhere.
Family home
7-bed but EPC unknown — factor retrofit cost or budget for it.
Standard BTL
No reliable rent estimate for this area — verify before committing.
Buy + rent later
Rent wouldn't cover mortgage — selling to exit may be your only option.
The numbers
England (SDLT) · 75% LTV mortgage at 5.5% over 25 years (capital repayment).
Stamp duty
First-time buyer
£56,250
Home mover
£56,250
2nd home / BTL
£113,750
Mortgage @ 75% LTV
- Loan
- £862,500
- Deposit
- £287,500
- Per month
- £5,297
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £401,250
Should you pay this?
City-wide stats vary too much within the 5+ bed homes segment to give you a confident £ comparison. A 5+ bed home in a quieter postcode can sit £200k+ apart from one in a hot postcode just down the road.
Before bidding: walk the street, pull HM Land Registry sold prices for this postcode sector, and check what genuinely-similar homes have actually transacted at over the last 12 months.
What it'd rent for
We don't have enough rental comparables for this area to give you a confident estimate yet. Cross-check on Rightmove's Rents tab or OpenRent before relying on yield assumptions.
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.
HMO licensing
£825 – £1,500typical UK HMO fee, 5-year licence
Mandatory licence likely required (5+ sharers, statutory under Housing Act 2004)
The council's HMO page lists the current mandatory fee plus any additional / selective scheme that catches smaller HMOs.
Find borough HMO licensing page on gov.ukMandatory licensing applies UK-wide for 5+ sharer HMOs (Housing Act 2004). Scotland licenses 3+ sharers; Wales also requires Rent Smart Wales registration for every landlord.
Area pulse
- 8,555 new listings here in the last month — good comparable supply.
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