Bradford · 3-bed
Ridgeway, Wrose, Shipley, BD18
© OpenStreetMap · click to open in maps
Asking price
£190,000
£238/sqft
Verdict
Strong rental backup (8.08% 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
8.1% gross yield
Open-market tenant on a 12-month AST.
HMO (rooms)
Best fit£1,503/mo
9.5% gross yield
4–6 individual tenants, shared living. Highest yield, most management.
LHA / Section 8
£748/mo
4.7% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£636/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
8.1% gross — clears typical 5%+ break-even threshold.
HMO (rooms)
9.5% 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
£9,500
Mortgage @ 75% LTV
- Loan
- £142,500
- Deposit
- £47,500
- Per month
- £875
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £57,000
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/month8.08% gross yield
Based on 482 live rentals in Bradford · 3-bed homes here average £981/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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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
- 6,598 new listings here in the last month — good comparable supply.
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