BD13 3HD · 3-bed
Sapgate Lane, Bradford, BD13
© OpenStreetMap · click to open in maps
Asking price
£160,000
Verdict
Strong rental backup (9.6% 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
£1,280/mo
9.6% gross yield
Open-market tenant on a 12-month AST.
HMO (rooms)
Best fit£1,493/mo
11.2% gross yield
4–6 individual tenants, shared living. Highest yield, most management.
LHA / Section 8
£623/mo
4.7% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£530/mo
4.0% 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
3-bed but EPC unknown — factor retrofit cost or budget for it.
Standard BTL
9.6% gross — clears typical 5%+ break-even threshold.
HMO (rooms)
11.2% HMO yield, no Article 4 — strong on paper.
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
£8,000
Mortgage @ 75% LTV
- Loan
- £120,000
- Deposit
- £40,000
- Per month
- £737
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £48,000
Should you pay this?
Asking price is in line with what 3-bed homes have been selling for nearby.
Contains HM Land Registry data © Crown copyright and database right.
What it'd rent for
£1,280/month9.6% 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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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
3-bed property. Mandatory licensing kicks in at 5+ unrelated occupants. Below that, a licence is only required if the council runs an additional or selective scheme — the link below is the way to check.
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.
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