Cambridge · 4-bed

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Asking price
£985,000
£480/sqft
Verdict
Overpriced by £368,297 vs 4-bed homes nearby
Estimated gross yields from current rental comps. Numbers are pre-cost — service, voids, mortgage, management still come off these.
Standard BTL
£2,250/mo
2.7% gross yield
Open-market tenant on a 12-month AST.
HMO (rooms)
Best fit£2,656/mo
3.2% gross yield
4–6 individual tenants, shared living. Highest yield, most management.
LHA / Section 8
£1,446/mo
1.8% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£1,229/mo
1.5% gross yield
3–5 yr guaranteed-rent lease to a housing association. Hands-off.
Quick read across the buyer personas. ✅ = good fit · ⚠ = workable with caveats · ❌ = look elsewhere.
Family home
4-bed but EPC unknown — factor retrofit cost or budget for it.
Standard BTL
2.7% gross — won't cover costs at current rates.
HMO (rooms)
3.2% HMO yield is too low for the management overhead.
Buy + rent later
Rent wouldn't cover mortgage — selling to exit may be your only option.
England (SDLT) · 75% LTV mortgage at 5.5% over 25 years (capital repayment).
Stamp duty
First-time buyer
£39,750
Home mover
£39,750
2nd home / BTL
£89,000
Mortgage @ 75% LTV
Asking price is roughly £368,297 above what 4-bed homes typically go for here.
You're paying £985,000. Comparable 4-bed homes in this area suggest a market price of around £616,703.
Contains HM Land Registry data © Crown copyright and database right.
Based on 792 live rentals in Cambridge · 4-bed homes here average £2,836/mo.
Most landlords need 5%+ gross to break even after costs in this area, so this is tight as a fallback — worth running the numbers carefully.
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Contains public sector information licensed under the Open Government Licence v3.0.
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