York · YO1 · 2-bed
2-bed home in York, YO1
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Asking price
£495,000
£505/sqft · EPC B
Verdict
Overpriced by £259,816 vs 2-bed homes nearby
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£1,200/mo
2.9% gross yield
Open-market tenant on a 12-month AST.
LHA / Section 8
£773/mo
1.9% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£657/mo
1.6% 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 with EPC B — workable family setup.
Standard BTL
2.9% gross — won't cover costs at current rates.
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
£3,500
Home mover
£12,250
2nd home / BTL
£37,000
Mortgage @ 75% LTV
- Loan
- £371,250
- Deposit
- £123,750
- Per month
- £2,280
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £160,750
Should you pay this?
Asking price is roughly £259,816 above what 2-bed homes typically go for here.
You're paying £495,000. Comparable 2-bed homes in this area suggest a market price of around £235,184.
Contains HM Land Registry data © Crown copyright and database right.
What it'd rent for
£1,200/month2.91% gross yield
Based on 572 live rentals in York · 2-bed homes here average £1,341/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.
Property features
- ["Bespoke Kitchen With Island"
- "Concierge Service Seven Days A Week"
- "Exceptional Duplex Apartment with Parking"
- "Fabulous Location Inside the City Walls"
- "Fully Tiled Shower Room"
- "Guest Cloakroom"
- "Open Plan Living/Dining Area"
- "Spectacular Communal Gardens"
- "Two Double Bedrooms"
- "Underfloor Heating Throughout"]
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.
Leasehold — confirm years remaining
The listing flags this as leasehold but we couldn’t pull a confident remaining-years number. Ask the agent before bidding — anything under 80 years is a red flag for most lenders.
Always verify lease term + ground rent in the official LPE1 / management pack before exchange.
Area pulse
- 9,533 new listings here in the last month — good comparable supply.
- Inside an Article 4 area — HMO conversion needs planning consent (don't assume you can split it).
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