Kirkcaldy · 2-bed
Burt Street, Wellwood, KY12
© OpenStreetMap · click to open in maps
Asking price
£99,995
Verdict
Worth a closer look — area data is mixed
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£1,222/mo
14.7% gross yield
Open-market tenant on a 12-month AST.
LHA / Section 8
£873/mo
10.5% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£742/mo
8.9% 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
14.7% 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
£5,000
Mortgage @ 75% LTV
- Loan
- £74,996
- Deposit
- £24,999
- Per month
- £461
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £29,999
Should you pay this?
City-wide stats vary too much within the 2-bed homes segment to give you a confident £ comparison. A 2-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
£1,222/month14.66% gross yield
Based on 8 live rentals in Kirkcaldy · 2-bed homes here average £875/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
- []
Loading nearby sold…
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
- 1,149 new listings here in the last month — good comparable supply.
Share this analysis
Want unlimited saved searches, the full investor breakdown, and the what-if calculator? Try Pro free for 3 days.