Rented normally, you'd make about £224 a month.

Will it pay?Calculator

£224 of every £1,331 is yours to keep, each month

You keep 17p of every pound of rent. The mortgage takes 47p.

£625 mortgage

£1,331 rent in£224 yours

◧ market rent £1,331 · 7 comps2 empty weeks a year assumed

What if I change my assumptions?The dials

At the asking price, 25% deposit, 6.25% charged

Change any of these 16 and every card on this page changes with it. The 6.25% is the 5.50% quoted plus a company premium.

◧ worked out from local rents

What will it cost me to buy?Breakdown

£53,784 + refurb costs

£13,796 of that never comes back — stamp duty, solicitor and lender fees.

£53,784 to buy it

~£19,967

deposit · stamp duty · solicitor · feeswe haven’t been inside

□ works not inspected

What would have to be true?

We cannot price this without a postcode

Which purchase tax applies — stamp duty, LBTT or land transaction tax — is decided by the nation the address sits in, and this listing carries no postcode to resolve it. Rather than assume England and then price to the pound off it, this card does not answer. The agent can give you the postcode.

□ no postcode on the listing

Is the price right?Why we stopped

This price does not look right

This price does not look like the whole property. Listings at this level are usually a share of a shared-ownership home, or a figure that has come through wrong — so any discount we calculated against it would be flattering and false. Check the listing before trusting a price verdict here.

□ Price not verified

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 15% and still cover it

Your deposit is what limits this one, not the rent. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£1,087 needed

of £1,280 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,280PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 1,441 sq ft

Only the agent’s figure exists for this house. Open for what that means.

□ area unchecked — agent’s own

What to know before you offerThe checks

Every tenancy here is periodic, with no Section 21 to end it

Tenancies are now periodic, with no Section 21 — budget a longer void.

1 problem found · 2 came back clear · 4 we could not check · 2 do not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 18 Sep 2026

Which strategy wins?The ways to run it

Rent by the room beats Standard rental by £120 a month

Rent by the room needs £51,483 more cash than the others.

Rent by the room+£344 · £125,234 in

Standard rental+£224 · £73,751 in

Short-stay let+£98 · £73,751 in

7 nearby short-lets within 20 km · low confidence

Housing-benefit rent−£212 · £73,751 in

Each row: money kept a month, then the cash it ties up. Not compared: Do it up, then remortgage (pays back at the remortgage) · Guaranteed council rent (no scheme in this borough) · Buy, improve & sell (pays out on sale)

◧ 4 ways, one measureranked on money kept each month, at the asking price

What would you walk away with?The five-year sums

+£6,988 after five years on the cash you put in, before tax on the sale

Less than the same cash would have made in a savings account, after tax on the interest. The savings account’s capital is not at risk; the property’s is. A fall of about 29% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £73,751 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

◧ 2.0%/yr growth assumed